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Rates & Dividends

Getting the best rate matters.

 

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Auto Loan Rates

TypeAPRTerm

New Auto+
2024 - 2023

APR1
As Low As

Term

New Auto4.99%24 Months
New Auto5.24%36 Months
New Auto5.99%48 Months
New Auto5.99%60 Months
New Auto6.49%72 Months
New Auto6.49%84 Months

Used Auto
2023 - 2014

APR1
As Low As

Term

Used Auto5.24%24 Months
Used Auto5.49%36 Months
Used Auto6.24%48 Months
Used Auto6.24%60 Months
Used Auto6.74%72 Months
Used Auto6.74%84 Months

Classic Auto
11+ Years Old

APR1
As Low As

Term

Classic Auto7.24%24 Months
Classic Auto7.49%36 Months
Classic Auto8.24%48 Months
Classic  Auto8.49%60 Months
Classic Auto8.49%72 Months
Classic Auto8.74%84 Months

1APR is Annual Percentage Rate. Subject to credit approval. The rates listed are for new loans to GRFCU. 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

TypeAPRTerm

New Boat+

APR2
As Low As

Term

New Boat6.99%24 Months
New Boat7.49%36 Months
New Boat7.74%48 Months
New Boat7.99%60 Months
New Boat8.24%72 Months
New Boat8.49%84 Months
New Boat8.74%96 Months
New Boat8.99%179 Months
New Boat9.24%180 Months++

Used Boat

APR2
As Low As

Term

Used Boat7.24%24 Months
Used Boat7.74%36 Months
Used Boat7.99%48 Months
Used Boat8.24%60 Months
Used Boat8.49%72 Months
Used Boat8.74%84 Months
Used Boat8.99%96 Months
Used Boat9.24%179 Months
Used Boat9.49%180 Months++
TypeAPRTerm

New Motorcycle+

2024 - 2023

APR2
As Low As

Term

New Motorcycle8.49%24 Months
New Motorcycle8.99%36 Months
New Motorcycle9.24%48 Months
New Motorcycle9.49%60 Months
New Motorcycle9.74%72 Months
New Motorcycle9.99%84 Months

Used Motorcycle
2023 - 2014

APR2
As Low As

Term

Used Motorcycle8.74%24 Months
Used Motorcycle9.24%36 Months
Used Motorcycle9.49%48 Months
Used Motorcycle9.74%60 Months
Used Motorcycle9.99%72 Months
Used Motorcycle10.24%84 Months
TypeAPRTerm

New RV/Camper +
2025-2024

APR2
As Low As

Term

New RV/Camper6.99%24 Months
New RV/Camper7.49%36 Months
New RV/Camper7.74%48 Months
New RV/Camper7.99%60 Months
New RV/Camper8.24%72 Months
New RV/Camper8.49%84 Months
New RV/Camper8.74%96 Months
New RV/Camper8.99%179 Months
New RV/Camper9.24%180 Months++

Used RV/Camper
2023-2015

APR2
As Low As

Term

Used RV/Camper7.24%24 Months
Used RV/Camper7.74%36 Months
Used RV/Camper7.99%48 Months
Used RV/Camper8.24%60 Months
Used RV/Camper8.49%72 Months
Used RV/Camper8.74%84 Months
Used RV/Camper8.99%96 Months
Used RV/Camper9.24%179 Months
Used RV/Camper9.49%180 Months++

Other Recreational Vehicle Rates

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

APR2
As Low As

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 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: 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
As Low As

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
As Low As

Classic14.15%
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
As Low As

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
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.

Smart Money Loan Rates

APR11
As Low As

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

Click here for today’s rates.

APR5
As Low As

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
As Low As

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
As Low As

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
Compounded Monthly

$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 notice

Amount

Dividend Rate

APY 9
Compounded Monthly

$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 - April 8, 2024

Term

Dividend Rate

APY10
Compounded Monthly

3 Month4.70%4.80%
6 Month1.80%1.81%
11 Month**3.45%3.51%
12 Month2.00%2.02%
18 Month2.10%2.12%
24 Month*2.15%2.17%
25 Month**4.20%4.28%
36 Month*2.20%2.22%
48 Month*2.40%2.43%
60 Month*2.45%2.48%

Premier Members

$500 Minimum Investment

Change Effective - April 8, 2024

Term

Dividend Rate

APY10
Compounded Monthly

3 Month4.75%4.85%
6 Month1.85%1.87%
11 Month**3.50%3.56%
12 Month2.05%2.07%
18 Month2.15%2.17%
24 Month*2.20%2.22%
25 Month**4.25%4.33%
36 Month*2.25%2.27%
48 Month*2.45%2.48%
60 Month*2.50%2.53%

*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.

**APY – Annual Percentage Yield. Minimum 50% new money to qualify for rate. Minimum opening balance of $500.00. Dividends compounded monthly; penalty may be imposed for early withdrawal. The rate increase (bump) feature may be used one (1) time any time during the term for any terms greater than 24 months. Upon maturity rate specials will renew for a lessor term. Some restrictions and fees may apply. Limited time offer to end at 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

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. 

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 3-60 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. Where the account is an IRA and any portion is paid within seven (7) days after establishment; provided that the depositor forfeits an amount of at least equal to the simple dividends earned on the amount withdrawn; or where the account is an IRA and the owner attains age 59 1/2. 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.

Rate Calculators 

Estimate your costs with our loan calculators* or see how much your Share Certificate can grow with our savings calculator. Click the buttons below to get started!

*This is not a quoting tool. To get your customized quote, you must apply.

Auto Loan Calculator

Recreational Loan Calculator