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

Used Auto
2020-2018

APR1
As Low As

Term

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

Used Auto++
Older Than 2018

APR1
As Low As

Term

Used Auto3.49%24 Months
Used Auto3.74%36 Months
Used Auto3.99%48 Months
Used Auto4.24%60 Months
Used Auto4.49%72 Months
Used Auto4.74%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. 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:  3.24% APR over 60 months would be $18.08 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

TypeAPRTerm

New Boat+

APR2
As Low As

Term

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

Used Boat

APR2
As Low As

Term

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

APR2
As Low As

Term

5.74%24 Months
5.99%36 Months
6.24%48 Months
6.49%60 Months
6.74%72 Months
6.99%84 Months
7.24%96 Months
7.49%179 Months
7.74%180 Months++
7.99%240 Months++
TypeAPRTerm

New Motorcycle+

APR2
As Low As

Term

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

Used Motorcycle

APR2
As Low As

Term

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

New RV/Camper +

APR2
As Low As

Term

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

Used RV/Camper
2020-2012

APR2
As Low As

Term

Used RV/Camper3.99%24 Months
Used RV/Camper4.24%36 Months
Used RV/Camper4.49%48 Months
Used RV/Camper4.74%60 Months
Used RV/Camper4.99%72 Months
Used RV/Camper5.24%84 Months
Used RV/Camper5.49%96 Months
Used RV/Camper5.74%179 Months
Used RV/Camper5.99%180 Months++
Used RV/Camper6.24%240 Months++

Other Recreational Vehicle Rates

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

APR2
As Low As

Term

6.24%24 Months
6.49%36 Months
6.74%48 Months
6.99%60 Months
7.24%72 Months
7.49%84 Months
7.74%96 Months
7.99%179 Months
8.24%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. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors.  An example of payment is:  4.49% APR over 60 months would be $18.64 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

9.49%

24 Months
9.74%36 Months
9.99%48 Months
10.24%60 Months
10.49%84 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. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors.  An example of payment is:  10.24% APR over 60 months would be $$21.37 per $1,000.00 borrowed.  Rates are subject to change at any time without notice

Type

APR4
As Low As

Classic9.60%
Rewards

10.60%

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.

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

Click here for today’s rates.

APR5
As Low As

Term

4.00%5 Years
5.00%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.  Other fees and restrictions may apply.  Loan amounts will be determined by income and other factors, including collateral details. An example of payment is:  4% APR over 5 years would be $18.42 per $1,000.00 borrowed.  Rates are subject to change at any time without notice.

APR6
As Low As

Term

As low as 3.5%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.

Get a quote online.

Dividend Account Rates

Money Market, IRA, and HSA

IRA includes Traditional, Roth, and SEP IRA’s.
Rates Effective December 17, 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 - 49,999.99.20%.20%
$50,000 - 99,999.99.25%.25%
$100,000+.35%.35%

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%

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 - November 2, 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 - November 2, 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%