Loans

At GRFCU, we offer many different types of loans to fit your financial needs.

 

 

 

Mortgage

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Home Equity

A home equity loan or line of credit may be an excellent way to utilize the equity in your home for a variety of reasons.  It may be utilized to finance:

 

  • Educational Expenses
  • Home Improvements
  • Major purchases such as a boat, car, second home, or once in a lifetime vacation
  • Unexpected major medical expenses
  • Consolidate high finance charge debts into a lower interest rate loan.

 

Our Mortgage Loan Officers can find the home equity loan that’s right for you and give you quotes on current interest rates and closing costs and work with you to learn more about financing needs.

 

 

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Auto Loans

Whether you’re buying a vehicle or refinancing your current vehicle loan, we can help you get the vehicle you want at the rate you can afford. For a quick pre-approval, apply online or contact our loan department.

  • Up to 100% financing
  • Low cost protection plans (guaranteed asset protection (GAP) plus, payment protection, and extended warranty)
  • Easy payment with payroll deduction

 

 

GRFCU Car Buying Service | TrueCar

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Click here to visit our TrueCar website!

 

 

Personal Loans

We offer a wide variety of consumer loans for many different occasions such as buying a new or used vehicle, buying a recreational vehicle, or consolidating your bills. We offer some of the best rates in town and take pride in our flexibility to meet all your loan needs. For a quick pre-approval, apply online or contact our loan department.

 

The consumer loans and products we offer are:

1. New / used vehicles

Whether you’re buying a vehicle or refinancing your current vehicle loan, we can help you get the vehicle you want at the rate you can afford. For a quick pre-approval, apply online or contact our loan department.

  • Up to 100% financing
  • Low cost protection plans (guaranteed asset protection (GAP) plus, payment protection, and extended warranty)
  • Easy payment with payroll deduction

 

2.  Recreational

Purchase a recreational vehicle and spend your summers on the lake or your winters in the snow. With our great rates and flexible terms you could be having fun in your new recreational vehicle.  We provide loans for Campers, Boats, Trailers, Motor homes, Jet skis, Motorcycles, and (ATVs) All-Terrain Vehicles

 

3. Signature loans

Are your bills adding up? Do you need a vacation? Does your home need renovating?  Signature loans can help and are customized for your needs and budget. Our signature loans offer flexible terms, fixed rates and no collateral needed

 

4. Debt consolidation

Are you paying a high interest rate on your loan?  Are your bills adding up? Let us help pay off all of your outstanding bills by consolidating them into one simple, single monthly payment.
5. Protection Plans

 

*Payment Protection– A loan is more than just getting the right rate; it’s also about having the right protection. Payment Protection will give you peace of mind in the event something should happen to you. This plan makes your payments if you should become disabled, deceased or unemployed. Contact our loan department for further information or to enroll.

 

*Guaranteed Asset Protection (GAP) Plus– If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, auto insurance will only cover the replacement value of the vehicle. Unfortunately, you will be responsible for the difference between the insurance settlement and the remaining loan balance. This deficiency can sometimes amount to thousands of dollars. GAP Plus covers the difference and will pay $1,000 towards your next vehicle purchase that is financed through Great River Federal Credit Union.

 

*Route 66 Extended Warranty– Route 66 Extended Warranty has a complete line of coverage designed to keep your vehicle and power sports on the road. Even the most reliable vehicle can develop a mechanical problem. No matter where you travel in the United States, Route 66 will protect you against major mechanical expenses, and there is no deductible on covered parts and labor. All plans come with 24/7 emergency road service.

 

  • Towing
  • Flat tire assistance
  • Battery jump starting
  • Lock-out service
  • Safe and secure package
  • Minor adjustments
  • No deductible
  • Nationwide coverage and much more…

 

*Products are not federally insured, are not obligations of the credit union, are not guaranteed by the credit union, involve investment risk.

 

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Credit Cards

The Money People at Great River Federal Credit Union are now offering two exceptional Visa Credit Card options to meet the needs of our Members.  Great River FCU Visa Credit Cards automatically include the chip-enabled technology (learn more below) as an added security benefit.  Our cardholders can conveniently access card information and make payments by logging into online banking.  Payments can also be made by mail, phone or in person with a credit union representative.

 

The “Money People Cash Rewards” Credit Card offers:

  • 3% cash rewards on gas
  • 2% cash rewards on groceries
  • 1% on all other purchases

 

Earn the cash rewards you deserve- there are no rotating categories, no hoops to jump through in order to get your rewards, and no limit to how much cash rewards you can earn!  Transfer your higher rate credit card balances to the “Money People Cash Rewards” to save interest on your existing cards.

 

The “Money People Classic” Credit Card is the perfect card for cardholders looking for a lower rate.  This card holds the same interest rate for purchases, cash advances, and balance transfers.

 

Using Your Chip Card

Chip Card Q&A

 

 

New Online Enhancements!

  •  Set fraud alerts
  • Manage & order statements
  • View your transactions online
  • Update your profile

 

Contact us at (320) 252-5393 or email memberservice@greatriverfcu.org to request a copy of your Money People Visa Credit Card Agreement.
If you send us an email, do not include any personal sensitive information in your message, such as social security numbers, account numbers, etc.  Regular email is not secure.  We already have this information in your records.  If we need more information, we will contact you.

 

Apply Today!

 

Report Lost/ Stolen Credit Cards by Calling 1-800-449-7728

 

Cardholder Tips when traveling internationally

 

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Student Loans

The cost of college continues to rise, making it harder to afford.  At Great River Federal Credit Union, we’re committed to helping students find the best funding for their education through college student loans. You’ll get significant cost-savings by choosing your credit union’s college student loan over other lenders.

 

We offer Private Student Loan solutions for Undergraduate students to supplement family savings, scholarships, grants and federal aid.

Benefits

  • This loan is set up as a Line of Credit making new funding a phone call away
  • Principal and interest will be deferred while attending college
  • Flexible repayment terms including graduated repayment for two years

loan_officersPlan, Find, Pay & Apply | Click here to learn more.

 

 

GRFCU also has scholarships available!

Four $500 scholarships for GRFCU members, their children, grandchildren, or dependents of credit union members. Please click here to view the Scholarship Packet.

 

Fastweb‘s Free Financial Scholarship Search

 

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