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RATES & Dividends

Getting the best rate matters.

 

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Auto Loan Rates

APR1
As Low As

Term

1.74%24 Months
1.99%36 Months
2.24%48 Months
2.49%60 Months
2.74%72 Months
2.99%84 Months

Get the car of your dreams.

Recreational Loan Rates

3180 and 240 month terms for RV, Camper & Titled Fish House Loans Only.

APR1
As Low As

Term

2.99%24 Months
3.24%36 Months
3.49%48 Months
3.74%60 Months
3.99%72 Months
4.24%84 Months
4.49%96 Months
4.99%120 Months
4.99%144 Months
5.25%3180 Months
5.50%3240 Months

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.

Share Secured Loan Rates

APR5
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.

Overdraft Line of Credit

APR 4
As Low As

Term

16.00%N/A

Signature Loan Rates

APR2
As Low As

Term

9.24%

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

Credit Cards

Type

APR2
As Low As

Classic8.90%
Rewards

9.90%

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

APR1
As Low As

Term

3.25%5 Years
4.25%10 Years

Home Equity Line of Credit

APR2
As Low As

Term

As low as 5.00%N/A

Get a quote online.

Loan Rate Disclosures AKA "the fine print"

1APR is Annual Percentage Rate. Offer subject to credit approval. The rate (non Real Estate loans) listed assumes an automatic payment method and is for new loans to GRFCU only.  Rate reflects all available discounts.   For U.S. residents, rate applies to current year model with a loan term of up to 60 months (based on credit worthiness), up to 100% LTV (loan to value).  Please call for rates on older model collateral.  Loan amount will be determined by income and other factors.  An example of payment terms are as follows:  2.99% APR over 24 months would be $42.98 per $1,000.00 borrowed.  Rates are subject to change at any time without notice.

2APR is Annual Percentage Rate. APR is subject to change. The rates listed assumes an automatic payment method. All rates (non Real Estate loans) are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. The home equity line of credit and credit card are variable rate products based on a margin above the Wall Street Journal posted Prime Rate.  Home equity lines of credit have a maximum rate of 18.00% APR and require proof of property insurance. That margin will be assigned based on credit score and other factors. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 12.75% and a term of 60 months would have a monthly payment of $171.41.

3APR is Annual Percentage Rate.  Rate and terms apply to RV, Camper, and Titled Fish House Loans only.  Offer subject to credit approval and rates are subject to change.  The rate listed applies to new collateral and assumes an online application was taken, along with other credit factors.  Rate and terms of 180-239 months are for loan amounts of $50,000-74,999.99.  Term of 240 months is for values of $75,000 and above.  An example of payment terms: amount of $75,000 with an APR for 5.50% and a term of 240 months would have a monthly payment of $515.92.  Other fees and restrictions may apply.

4APR 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.  Balance will be transferred in increments of $300 per overage.

5APR is Annual Percentage Rate.  Subject to member and loan credit approval and qualification.  APR is subject to change at any time.  Rate is based on the current rate on the Share account that is being pledged, plus a margin.  Share Secured loans are secured and terms can not exceed the current Share Certificate term.  Other fees and restrictions may apply.

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

APY6
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 6
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

APY7
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 Month1.00%1.00%

Premier Members

$500 Minimum Investment

Change Effective - May 11, 2021

Term

Dividend Rate

APY7
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 Month1.05%1.06%

Bump up your savings!

Single Bump Share Certificates

Take advantage of our Bump Rate feature with allows a one-time rate increase with any of our new or renewed Share Certificates with terms 24 months or longer!*

View Details

*APY- Annual Percentage Yield. Dividends Compounded Monthly, penalty may be imposed for early withdrawal. The rate increase (bump) feature may be used one (1) time at any time during the term. Bump feature is available for all terms 24 months or greater. Federally Insured by NCUA. Some restrictions and fees may apply. Limited time offer to end at the Credit Union’s discretion.

Introducing…

 Double Bump Share Certificates

With 2 opportunities to raise your interest rate during the 60 month term.

1.06 %APY**

Premier Members

View Details

**APY- Annual Percentage Yield. Dividends Compounded Monthly, penalty may be imposed for early withdrawal. The rate increase (bump) feature may be used two (2) times at any time during the term. Bump feature is available for 60-month terms only. Some restrictions and fees may apply. Limited time offer to end at the Credit Union’s discretion.

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

6Dividend 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

7Dividend 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.

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!