Rates & Dividends
Getting the best rate matters.
Jump to the rates you need!
Auto Loan Rates
| Type | APR | Term |
|---|---|---|
New Auto+ | APR1 | Term |
| New Auto | 4.99% | 24 Months |
| New Auto | 5.24% | 36 Months |
| New Auto | 5.99% | 48 Months |
| New Auto | 5.99% | 60 Months |
| New Auto | 6.49% | 72 Months |
| New Auto | 6.49% | 84 Months |
Used Auto | APR1 | Term |
| Used Auto | 5.24% | 24 Months |
| Used Auto | 5.49% | 36 Months |
| Used Auto | 6.24% | 48 Months |
| Used Auto | 6.24% | 60 Months |
| Used Auto | 6.74% | 72 Months |
| Used Auto | 6.74% | 84 Months |
Classic Auto | APR1 | Term |
| Classic Auto | 7.24% | 24 Months |
| Classic Auto | 7.49% | 36 Months |
| Classic Auto | 8.24% | 48 Months |
| Classic Auto | 8.49% | 60 Months |
| Classic Auto | 8.49% | 72 Months |
| Classic Auto | 8.74% | 84 Months |
1APR is Annual Percentage Rate. Subject to credit approval. The rates listed are for new and direct loans to Great River. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors, including collateral details. An example of payment is: 5.99% APR over 60 months would be $19.33 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.
1APR is Annual Percentage Rate. Subject to credit approval. The rates listed are for new and direct loans to Great River. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors, including collateral details. An example of payment is: 5.99% APR over 60 months would be $19.33 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.
Get the car of your dreams.
Recreational Loan Rates
| Type | APR | Term |
|---|---|---|
New Boat+ | APR2 | Term |
| New Boat | 6.99% | 24 Months |
| New Boat | 7.49% | 36 Months |
| New Boat | 7.74% | 48 Months |
| New Boat | 7.99% | 60 Months |
| New Boat | 8.24% | 72 Months |
| New Boat | 8.49% | 84 Months |
| New Boat | 8.74% | 96 Months |
| New Boat | 8.99% | 179 Months |
| New Boat | 9.24% | 180 Months++ |
Used Boat | APR2 | Term |
| Used Boat | 7.24% | 24 Months |
| Used Boat | 7.74% | 36 Months |
| Used Boat | 7.99% | 48 Months |
| Used Boat | 8.24% | 60 Months |
| Used Boat | 8.49% | 72 Months |
| Used Boat | 8.74% | 84 Months |
| Used Boat | 8.99% | 96 Months |
| Used Boat | 9.24% | 179 Months |
| Used Boat | 9.49% | 180 Months++ |
| Type | APR | Term |
|---|---|---|
New Motorcycle+2024 - 2023 | APR2 | Term |
| New Motorcycle | 8.49% | 24 Months |
| New Motorcycle | 8.99% | 36 Months |
| New Motorcycle | 9.24% | 48 Months |
| New Motorcycle | 9.49% | 60 Months |
| New Motorcycle | 9.74% | 72 Months |
| New Motorcycle | 9.99% | 84 Months |
Used Motorcycle | APR2 | Term |
| Used Motorcycle | 8.74% | 24 Months |
| Used Motorcycle | 9.24% | 36 Months |
| Used Motorcycle | 9.49% | 48 Months |
| Used Motorcycle | 9.74% | 60 Months |
| Used Motorcycle | 9.99% | 72 Months |
| Used Motorcycle | 10.24% | 84 Months |
| Type | APR | Term |
|---|---|---|
New RV/Camper + | APR2 | Term |
| New RV/Camper | 6.99% | 24 Months |
| New RV/Camper | 7.49% | 36 Months |
| New RV/Camper | 7.74% | 48 Months |
| New RV/Camper | 7.99% | 60 Months |
| New RV/Camper | 8.24% | 72 Months |
| New RV/Camper | 8.49% | 84 Months |
| New RV/Camper | 8.74% | 96 Months |
| New RV/Camper | 8.99% | 179 Months |
| New RV/Camper | 9.24% | 180 Months++ |
Used RV/Camper | APR2 | Term |
| Used RV/Camper | 7.24% | 24 Months |
| Used RV/Camper | 7.74% | 36 Months |
| Used RV/Camper | 7.99% | 48 Months |
| Used RV/Camper | 8.24% | 60 Months |
| Used RV/Camper | 8.49% | 72 Months |
| Used RV/Camper | 8.74% | 84 Months |
| Used RV/Camper | 8.99% | 96 Months |
| Used RV/Camper | 9.24% | 179 Months |
| Used RV/Camper | 9.49% | 180 Months++ |
Other Recreational Vehicle Rates
Side-by-Side/UTV, Snowmobile, and 4-Wheeler
APR2 | Term |
|---|---|
| 7.99% | 24 Months |
| 8.24% | 36 Months |
| 8.49% | 48 Months |
| 8.74% | 60 Months |
| 8.99% | 72 Months |
| 9.24% | 84 Months |
| 9.49% | 96 Months |
2APR is Annual Percentage Rate. Subject to credit approval. The rates listed are for new and direct loans to Great River only. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors. An example of payment is: 7.99% APR over 60 months would be $20.27 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 months are for loan amounts of $50,000-74,999.99.
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 | Term |
|---|---|
13.24% | 24 Months |
| 13.74% | 36 Months |
| 13.99% | 48 Months |
| 14.24% | 60 Months |
| 14.49% | 72 Months |
3APR is Annual Percentage Rate. Subject to credit approval. The rates listed are for new loans to GRFCU only. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors. An example of payment is: 14.24% APR over 60 months would be $23.39 per $1,000.00 borrowed. Rates are subject to change at any time without notice.
Type | APR4 |
|---|---|
| Classic | 14.15% |
| Rewards | 15.15% |
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. Click for details.
This card is issued by Great River Federal Credit Union pursuant to a license from Visa USA Inc.
APR 8 |
|---|
| 14.00% |
8APR 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
APR9 | Term |
|---|---|
As low as 3.00% APR above Regular Share or Share Certificate Rate | If secured by Share Certificate, cannot exceed certificate term. |
Smart Money Loan Rates
APR11 | Term |
|---|---|
18.00% | Up to 180 Days |
11APR is Annual Percentage Rate. Subject to credit approval . One Smart Money loan at any one time, and refinances are not allowed. Maximum of 4 Smart Money Loans in a 12-month period. Other fees and restrictions may apply. Rates are subject to change at any time. Loan amount $1,000.00 at 18.00% for 180 months you will pay 5 installments of principal and interest of $176.19 and 1 installment of $176.15.
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 |
|---|
APR5 | Term |
|---|---|
| 7.25% | 5 Years |
| 7.25% | 10 Years |
| 7.50% | 15 Years |
| 7.75% | 20 Years |
5APR is Annual Percentage Rate. Subject to credit approval. The rates listed are for new loans to GRFCU. Rates reflect all available discounts. Other fees and restrictions may apply. Loan amounts will be determined by income and other factors, including collateral details. An example of payment is: An example of payment is 7.25% APR over for 5 years will be $19.92 for every 1,000 borrowed. Rates are subject to change at any time without notice.
APR6 | Term |
|---|---|
| 8.50% | 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.
APR7 | Term |
|---|---|
| 8.50% | N/A |
7During the draw period (10 years) payment is interest-only. During repayment period (20 years) payment will be principal and interest. On a $25,000.00 advance at a rate of 8.50% the interest-only payment would be $177.08 rounded to the nearest dollar equals $177.00. APR is Annual Percentage Rate. APR is subject to change. The rates shown are the lowest available and your rate may be higher. The annual percentage rate can change quarterly on the 1st day of January, April, July and October. Minimum rate is 3.00% maximum rate is 18.00%.
Get a quote online.
Dividend Account Rates
Money Market, IRA, and HSA
IRA includes Traditional, Roth, and SEP IRA’s.
Rates Effective September 6, 2023 - Subject to change without notice
Amount | Dividend Rate | APY9 |
|---|---|---|
| $10.00 - 2,499.99 | .05% | .05% |
| $2,500 -9,999.99 | .20% | .20% |
| $10,000 - 24,999.99 | .50% | .50% |
| $25,000 - 49,999.99 | .60% | .60% |
| $50,000 - 99,999.99 | .60% | .60% |
| $100,000-149,999.99 | .85% | .85% |
| $150,000-249,999.99 | .90% | .90% |
| $250,000+ | 2.00% | 2.02% |
Share Savings and Youth/Teen Accounts
Rates Effective August 3, 2020 - Subject to change without noticeAmount | Dividend Rate | APY 9 |
|---|---|---|
| $10.00+ | .05% | .05% |
Schedule an Appointment
Speak with a Member Advisor via Great River
Go Live video chat or at a branch.
Share Certificates & Share IRA Certificates
IRA includes Traditional, Roth, and SEP IRA’s.
Classic and Youth/Teen Members
$500 Minimum Investment
Change Effective - July 25, 2024
Term | Dividend Rate | APY10 |
|---|---|---|
| 3 Month | 4.70% | 4.80% |
| 6 Month | 1.80% | 1.81% |
| 12 Month | 2.00% | 2.02% |
| 18 Month | 2.10% | 2.12% |
| 24 Month* | 2.15% | 2.17% |
| 36 Month* | 3.45% | 3.51% |
| 48 Month* | 3.20% | 3.25% |
| 60 Month* | 3.20% | 3.25% |
Premier Members
$500 Minimum Investment
Change Effective - July 25, 2024
Term | Dividend Rate | APY10 |
|---|---|---|
| 3 Month | 4.75% | 4.85% |
| 6 Month | 1.85% | 1.87% |
| 12 Month | 2.05% | 2.07% |
| 18 Month | 2.15% | 2.17% |
| 24 Month* | 2.20% | 2.22% |
| 36 Month* | 3.50% | 3.56% |
| 48 Month* | 3.25% | 3.30% |
| 60 Month* | 3.25% | 3.30% |
*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.
Bump Up Options: This option allows you to exchange the original or renewed dividend rate for a new dividend rate offered by the Credit Union for the then current term of your share certificate, for the same tier and balance amount. The rate increase (bump) feature may be used (1) time any time during the term for any terms greater than 24 months. A double bump option for 60-month terms is available. The account will begin earning the new dividend rate at the time you exercise the bump up option(s). This will be done at no cost to you. If you exercise the bump up option, the maturity date of the share certificate will remain the same as originally scheduled. You may exercise this option once during the term of the share certificate. Subject to change at any time.
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.