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Rates & Dividends

Getting the best rate matters.

 

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Auto Loan Rates

TypeAPRTerm

New Auto +

APR1
As Low As

Term

New Auto2.24%24 Months
New Auto2.49%36 Months
New Auto2.74%48 Months
New Auto2.99%60 Months
New Auto3.24%72 Months
New Auto3.49%84 Months

Used Auto
2019-2017

APR1
As Low As

Term

Used Auto2.49%24 Months
Used Auto2.74%36 Months
Used Auto2.99%48 Months
Used Auto3.24%60 Months
Used Auto3.49%72 Months
Used Auto3.74%84 Months

Used Auto++
Older Than 2017

APR1
As Low As

Term

Used Auto3.24%24 Months
Used Auto3.49%36 Months
Used Auto3.74%48 Months
Used Auto3.99%60 Months
Used Auto4.24%72 Months
Used Auto4.49%84 Months

1APR is Annual Percentage Rate. Subject to credit approval. The rates listed assume automatic payment methods and are for new loans to GRFCU.  Rates reflect all available discounts.   Loan amounts will be determined by income and other factors, including collateral details.  An example of payment is:  2.99% APR over 60 months would be $17.96 per $1,000.00 borrowed.  Rates are subject to change at any time without notice.

+Current or prior model year collateral that has never been titled and has less than 12,000 miles.

++Maximum 100% LTV.  Classic means not a daily driven or year-round usage.  Collector is collateral 1980 and older.  Antique is 1900-1979.  All are subject to further review by our team.

Get the car of your dreams.

Recreational Loan Rates

Boat Loan Rates

TypeAPRTerm

New Boat+

APR2
As Low As

Term

New Boat4.24%24 Months
New Boat4.49%36 Months
New Boat4.74%48 Months
New Boat4.99%60 Months
New Boat5.24%72 Months
New Boat5.49%84 Months
New Boat5.74%96 Months
New Boat5.99%179 Months
New Boat6.24%180 Months++
New Boat6.49%240 Months++

Used Boat

APR2
As Low As

Term

Used Boat4.49%24 Months
Used Boat4.74%36 Months
Used Boat4.99%48 Months
Used Boat5.24%60 Months
Used Boat5.49%72 Months
Used Boat5.74%84 Months
Used Boat5.99%96 Months
Used Boat6.24%179 Months
Used Boat6.49%180 Months++
Used Boat6.74%240 Months++

Fish House Rates

APR2
As Low As

Term

5.49%24 Months
5.74%36 Months
5.99%48 Months
6.24%60 Months
6.49%72 Months
6.74%84 Months
6.99%96 Months
7.24%179 Months
7.49%180 Months++
7.74%240 Months++

Motorcycle Loan Rates

TypeAPRTerm

New Motorcycle+

APR2
As Low As

Term

New Motorcycle4.49%24 Months
New Motorcycle4.74%36 Months
New Motorcycle4.99%48 Months
New Motorcycle5.24%60 Months
New Motorcycle5.49%72 Months
New Motorcycle5.74%84 Months
New Motorcycle5.99%96 Months
New Motorcycle6.24%179 Months
New Motorcycle6.49%180 Months++

Used Motorcycle

APR2
As Low As

Term

Used Motorcycle4.74%24 Months
Used Motorcycle4.99%36 Months
Used Motorcycle5.24%48 Months
Used Motorcycle5.49%60 Months
Used Motorcycle5.74%72 Months
Used Motorcycle5.99%84 Months
Used Motorcycle6.24%96 Months
Used Motorcycle6.49%179 Months
Used Motorcycle6.74%180 Months++

RV/Camper Loan Rates

TypeAPRTerm

New RV/Camper +

APR2
As Low As

Term

New RV/Camper3.49%24 Months
New RV/Camper3.74%36 Months
New RV/Camper3.99%48 Months
New RV/Camper4.24%60 Months
New RV/Camper4.49%72 Months
New Motorcycle4.74%84 Months
New RV/Camper4.99%96 Months
New RV/Camper5.24%179 Months
New RV/Camper5.49%180 Months++
New RV/Camper5.74%240 Months++

Used RV/Camper
2019-2011

APR2
As Low As

Term

Used RV/Camper3.74%24 Months
Used RV/Camper3.99%36 Months
Used RV/Camper4.24%48 Months
Used RV/Camper4.49%60 Months
Used RV/Camper4.74%72 Months
Used RV/Camper4.99%84 Months
Used RV/Camper5.24%96 Months
Used RV/Camper5.49%179 Months
Used RV/Camper5.74%180 Months++
Used RV/Camper5.99%240 Months++

Other Recreational Vehicle Rates

Side-by-Side/UTV, Snowmobile, and 4-Wheeler

APR2
As Low As

Term

5.99%24 Months
6.24%36 Months
6.49%48 Months
6.74%60 Months
6.99%72 Months
7.24%84 Months
7.49%96 Months
7.74%179 Months
7.99%180 Months++

2APR is Annual Percentage Rate. Subject to credit approval. The rates listed assumes automatic payment methods and are for new loans to GRFCU only.  Rates reflect all available discounts.   Loan amounts will be determined by income and other factors.  An example of payment is:  4.24% APR over 60 months would be $18.53 per $1,000.00 borrowed.  Rates are subject to change at any time without notice.

+Current or prior model year collateral that has never been titled and has less than 12,000 miles.

++Rate and terms of 180-240 months are for loan amounts of $50,000-74,999.99.  Term of 240 months is for values of $75,000 and above.

Start making memories.

Personal Loan Rates

We offer a variety of different types of Personal Loan such as: Share Secure, Overdraft Line of Credit, Signature, and Credit Cards.

Signature Loan Rates

APR3
As Low As

Term

9.24%

24 Months
9.49%36 Months
9.74%48 Months
9.99%60 Months
10.24%72 Months

3APR is Annual Percentage Rate. Subject to credit approval. The rates listed assumes automatic payment methods and are for new loans to GRFCU only.  Rates reflect all available discounts.   Loan amounts will be determined by income and other factors.  An example of payment is:  9.99% APR over 60 months would be $21.24 per $1,000.00 borrowed.  Rates are subject to change at any time without notice

Credit Cards

Type

APR4
As Low As

Classic8.90%
Rewards

9.90%

4APR is Annual Percentage Rate.  All rates are subject to credit certification and approval. Maximum rate of 18.00% APR.  Variable rate products based on a margin above the Wall Street Journal posted Prime Rate.  Rate margins will be assigned based on credit scores and other factors. Cash back rewards will not accumulate on any fees, balance transfers, cash advances, or interest charges. The rates shown are the lowest available and may change at any time.  See (link to Credit Card Disclosure I am having you update locations on here) for complete details.   

Overdraft Line of Credit

APR 7
As Low As

Term

16.00%N/A

7APR is Annual Percentage Rate.  APR is subject to change at any time.  Subject to credit approval and a qualifying checking account.  Payment is 2% of the balance or $20, whichever is greater.  Balances will be transferred in increments of $300 per overage.

Share Secured Loan Rates

APR8
As Low As

Term

As low as 3.00% APR above Regular Share or Share Certificate Rate

If secured by Share Certificate, cannot exceed certificate term.

8APR is Annual Percentage Rate.  Subject to member and loan credit approval and qualification.  APR is subject to change at any time.  Rates are based on the current rate on the share account that is being pledged, plus a margin.  Share Secured loans are secured, and terms cannot exceed the current Share Certificate term.  Other fees and restrictions may apply.

 

Borrow for any purpose

Home Loans

Whether you are looking to purchase, or tap into the equity of your home, one of our mortgage officers can help you.

Mortgage

Mortgage

Click here for today’s rates.

Home Equity Loans

APR5
As Low As

Term

3.25%5 Years
4.25%10 Years

5APR is Annual Percentage Rate. Subject to credit approval. The rates listed assume automatic payment methods and are for new loans to GRFCU.  Rates reflect all available discounts.   Loan amounts will be determined by income and other factors, including collateral details. An example of payment is:  3.25% APR over 5 years would be $18.08 per $1,000.00 borrowed.  Rates are subject to change at any time without notice.

Home Equity Line of Credit

APR6
As Low As

Term

As low as 5.00%N/A

6APR is Annual Percentage Rate. APR is subject to change. The rates shown are the lowest available and your rate may be higher. Variable rate products based on a margin above the Wall Street Journal posted Prime Rate.  Maximum rate of 18.00% APR and require proof of property insurance. Rate margins will be assigned based on credit scores and other factors. Other fees and restrictions may apply.  See the HELOC Early Disclosure for complete details.

Get a quote online.

Dividend Account Rates

Money Market, IRA, and HSA

IRA includes Traditional, Roth, and SEP IRA’s.
Rates Effective July 1, 2021 - Subject to change without notice

Amount

Dividend Rate

APY9
Compounded Monthly

$10.00 - 2,499.99.05%.05%
$2,500 -9,999.99.10%.10%
$10,000 - 24,999.99.15%.15%
$25,000 - 49,999.99.25%.25%
$50,000 - 99,999.99.35%.35%
$100,000+.45%.45%

Share Savings & Kids Club Accounts

Rates Effective August 3, 2020 - Subject to change without notice

Amount

Dividend Rate

APY 9
Compounded Monthly

$10.00+.05%.05%

Save for your future.

Share Certificates & Share IRA Certificates

IRA includes Traditional, Roth, and SEP IRA’s.

Classic and Youth/Teen Members

$500 Minimum Investment

Change Effective - May 11, 2021

Term

Dividend Rate

APY10
Compounded Monthly

6 Month.25%.25%
12 Month.40%.40%
18 Month.45%.45%
24 Month*.55%.55%
36 Month*.75%.75%
48 Month*.90%.90%
60 Month*1.00%1.00%

Premier Members

$500 Minimum Investment

Change Effective - May 11, 2021

Term

Dividend Rate

APY10
Compounded Monthly

6 Month.30%.30%
12 Month.45%.45%
18 Month.50%.50%
24 Month*.60%.60%
36 Month*.80%.80%
48 Month*.95%.95%
60 Month*1.05%1.06%

*Eligible for Rate Bump

*$500 Minimum balance to earn interest and open a Share Certificate. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. If you choose to exercise the rate increase option, the new interest rate and APY will be in effect for the remainder of the CD term.  Limited time offer to end at the Credit Union’s discretion.

Learn More

Dividend Earning Disclosures AKA "the fine print"

See below regarding penalties for early withdrawal on share certificate accounts and for savings and deposit account information or call the Credit Union’s Member Services department at 320.252.5393. For additional account information and service fees, please see the Membership and Account Agreement Disclosure.

Savings Account Information

9Dividend earning savings accounts are all variable rate accounts. The dividend is posted at the end of each month and may change monthly, as determined by the Credit Union’s Board of Directors. Dividends are calculated on a “daily average balance simple”. Check deposits will accrue dividends on the business day you place them in your account. Statements will be mailed quarterly, unless you have a checking account where your information would be disclosed on the statement monthly. Statements will include an Annual Percentage Yield earned which will immediately follow each dividend payment noted on the statement. Transaction limitations do not apply on these accounts. Minimum opening deposits are $5.00; this amount must remain in the accounts at all times. Variable rate savings accounts that are closed out before the dividend declaration date at the end of the month will not be credited the accrued dividends. For items that apply to all savings accounts; please see the Membership Agreement Disclosure Booklet and rate sheet for additional information and disclosures. Refer to the Truth in Savings Disclosure found on the “Disclosures” webpage.

Share Certificates

10Dividend Rates and Annual Percentage Yields for time accounts are fixed for the term of the share certificate. Share certificates require $500.00 minimum opening deposit, unless otherwise noted. For time accounts, interest begins to accrue on the business day you deposit non-cash items such as checks. Service fees (including early withdrawal penalties) may reduce earnings. Share certificates are available for terms ranging from 6-60 months. To obtain the Annual Percentage Yield you must have your dividends each month compound to the share certificate until maturity. Additional deposits are only allowed at maturity. Partial withdrawals are not allowed prior to maturity. We will impose a penalty if you withdraw any of the deposited funds before the maturity date. The penalty assessed on the amount withdrawn will equal: three months dividends on terms one year or less, six months dividends terms greater than one year. The penalty will be waived in the case of death or judicially declared mental incompetence. The penalty will also be waived on IRA certificates in the case of permanent disability or for members at least 59 ½ who are required to take their minimum distribution. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union. Share certificate accounts are automatically renewable. A maturity notice will be sent 20 calendar days prior to maturity. Unless we are notified, the share certificate will renew with the same term and the current dividend rate, on the day of maturity. You also have a grace period of 10 days from the maturity date to withdraw funds without penalty.

*$500 Minimum balance to earn interest and open a Share Certificate. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. If you choose to exercise the rate increase option, the new interest rate and APY will be in effect for the remainder of the CD term.  Limited time offer to end at the Credit Union’s discretion.

BECOME A MEMBER

Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!