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Enjoy 24/7 account access and security with GECU online and mobile banking.
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Rates
Our best dividends for your deposits and rates for credit cards and loans
Savings Accounts
| Product | Minimum deposit | Minimum average daily balance to earn dividends | Dividend rate | APY |
|---|---|---|---|---|
| Personal & business savings accounts | $10 | $100 | 0.15% | 0.15% |
|
Youth savings accounts (0–17 years old) |
$10 | $10 | 0.15% | 0.15% |
| Christmas Club accounts1 (May be opened November 1–March 31) | $10 | $10 | 0.20% | 0.20% |
We offer a variety of savings accounts that can help you start or strengthen your saving habits! Deposit money anytime and save for things like emergency funds, holidays, life events and more!
Open your savings account online today or by calling 1.800.772.4328.
APY — Annual Percentage Yield
Dividends may change after the account is opened. Dividends are accurate as of Tuesday, November 19, 2024.
Dividends are compounded and credited quarterly on the last day of March, June, September and December. Dividends are paid from current earnings available after transfers to reserves and only after the board of directors of the credit union formally declares the dividend rate at the end of the quarter. A penalty will or may be imposed for early withdrawal. APY is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.
Membership eligibility is required.
1Dividends paid through October 31. Balance is transferred to checking or savings account on November 1. Early withdrawal results in loss of interest and closure of your account if funds are withdrawn before November 1, 2024.
Business & Personal Checking
| Personal checking accounts | |||
|---|---|---|---|
| Product | Minimum deposit | Dividend rate | APY |
| Personal checking account | $0 | 0.10% | 0.10% |
| Free2Be checking account (16—17 years old) | $0 | 0.10% | 0.10% |
| Second chance checking account | $15 | N/A | N/A |
Minimum average daily balance to earn dividends on personal and Free2Be checking accounts is $2,500.
| Business checking accounts | |||
|---|---|---|---|
| Product | Minimum deposit | Dividend rate | APY |
| GECU 50 Free Business Checking Account | $0 | N/A | N/A |
| GECU Business Advantage Checking Account | $0 | N/A | N/A |
| GECU Business Dividends Checking Account | $0 | 0.10% | 0.10% |
| GECU Business Analyzed Checking Account | $0 | N/A | N/A |
Minimum average daily balance to earn dividends on GECU Business Dividends Checking accounts is $5,000.
| Money Market accounts | ||
|---|---|---|
| Minimum average daily balance to earn dividends | Dividend rate | APY |
| $2,500 | 0.60% | 0.60% |
| $5,000 | 0.65% | 0.65% |
| $10,000 | 0.80% | 0.80% |
| $25,000 | 0.90% | 0.90% |
| $50,000 | 1.00% | 1.00% |
| $100,000 | 1.20% | 1.20% |
| $250,000 | 1.35% | 1.35% |
| $500,000 | 1.50% | 1.50% |
Minimum deposit to open a Money Market account is $2,500.
Our personal and business checking accounts1 are designed for your fast-moving world! Get 24/7 access to your account and money with online and mobile banking,2 a debit card,3 access to 80,000+ surcharge-free ATMs nationwide,4 and so much more!
Open a personal checking account online today or by calling 1.800.772.4328.
APY — Annual Percentage Yield
Rates may change after the account is opened. Rates are accurate as of Tuesday, November 19, 2024.
Dividends on checking accounts is compounded and credited monthly on the last business day of your statement cycle. Fees could reduce earnings on the account.
Membership eligibility is required.
1Must have a GECU share account to open a checking or money market account. Open a GECU share account with a one-time deposit of $10.
2Standard text-messaging and data rates may apply through the wireless carrier.
3Debit card is available with checking accounts. Certain fees and conditions apply.
4Transaction fees may be charged by the owners of non-GECU ATMs.
Certificate Accounts
| Personal/Business Certificate Accounts (Fixed rate) | ||||
|---|---|---|---|---|
| Term | Minimum deposit and average daily balance |
Dividend rate | APY (Monthly Crediting) | APY (Annual/Maturity Crediting) |
| 3 months | $2,500 | 2.75% | N/A | 2.78% |
| 6 months | $2,500 | 3.75% | N/A | 3.78% |
| 12 months | $50 | 4.40% | 4.49% | 4.40% |
| 12-month Jumbo | $50,000 | 4.50% | 4.59% | 4.50% |
| 12 months | $100,000 | 4.50% | N/A | 4.50% |
| 18 months | $1,000 | 4.05% | 4.13% | 4.06% |
| 24 months | $1,000 | 4.05% | 4.13% | 4.05% |
| 30 months | $1,000 | 3.65% | 3.71% | 3.66% |
| 36 months | $1,000 | 3.65% | 3.71% | 3.65% |
| 48 months | $1,000 | 3.65% | 3.71% | 3.65% |
| 60 months | $1,000 | 3.65% | 3.71% | 3.65% |
| Personal/Business Smart-Step Certificate Accounts (Variable rate) | ||||
| 24 months | $2,500 | 3.95% | 4.02% | N/A |
| 24-month Jumbo | $50,000 | 4.05% | 4.13% | N/A |
| Credit Builder | ||||
| 12-month Credit Builder | $500 | 4.40% | 4.49% | 4.40% |
| Personal Bump-up (Variable rate) | ||||
| 12-month Jumbo | $50,000 | 4.45% | 4.54% | N/A |
| 18 months | $5,000 | 3.95% | 4.02% | N/A |
| 18-month Jumbo | $50,000 | 4.05% | 4.13% | N/A |
| 60 months | $2,500 | 3.55% | 3.61% | N/A |
| 60-month Jumbo | $50,000 | 3.65% | 3.71% | N/A |
Learn how to make your money work harder for you with our higher dividends on certificate accounts.1
Open a certificate account online today or by calling 1.800.772.4328.
APY — Annual Percentage Yield
Dividends may change after the account is opened. Dividends are accurate as of Tuesday, November 19, 2024.
The dividend rate and APY on the fixed-rate certificate accounts are fixed until the maturity date of the certificate. Fees could reduce earnings on the account.
Early-withdrawal Penalty — Accounts will be cancelled if the balance drops below the minimum amount required for the term of the account and an early-withdrawal penalty may apply. Early-withdrawal penalties for account terms of three and six months is 30 days of interest (whether earned or not); 12 months is 90 days of interest (whether earned or not); 18 and 24 months is 150 days of interest (whether earned or not); 30, 36 and 48 months is 240 days of interest (whether earned or not); and 60 months is 300 days of interest (whether earned or not).
Smart-Step certificate accounts offer an option to increase the dividends during each term. This option may be used to increase the dividend rate to the current rate in effect for this same type of certificate account on the day that the request is made in writing. 24-month term: one option to increase the dividend rate during each 24-month term. Smart-Step certificate accounts are promotional and subject to change, cancellation or renewal at the discretion of GECU. However, the certificate account will be renewed as a comparable certificate account that is available at that time, with prior notification from the credit union unless within the five-calendar-day grace period, you select another product type and/or change the terms of the certificate.
Credit Builder certificate accounts offer the option of requesting a loan in which the proceeds of the loan2 are deposited to this certificate account. This product allows unlimited deposits of any amount. The funds remain on deposit while payments are made to the loan. Timely payments to the loan may be used to help build your credit score. At maturity, the certificate account will automatically renew to a fixed-rate 12-month certificate account. Dividends may only be withdrawn during the grace period prior to renewal. Withdrawals are not allowed until maturity.
Bump-up certificate accounts offer an option to increase the dividend rate once during each term. This option may be used to increase the rate to the current rate in effect for this same type of certificate on the day that the request is made in writing. Unlimited funds may be deposited at any time during the term of the certificate account. Bump-up certificate accounts are promotional and subject to change, cancellation, or renewal at the discretion of GECU. However, the certificate account will be renewed as a comparable certificate account that is available at that time, with prior notification from the credit union, unless within the five-calendar-day grace period, you select another product type and/or change the terms of the certificate.
Bump-up certificate accounts do not qualify for Senior Privilege 15 additional basis points.
Ask us about our rates on a jumbo certificate account for $50,000 and above.
SEE LOCATIONS
Membership eligibility is required.
1Must have a GECU share account to open a certificate account. Open a GECU share account with a one-time deposit of $10.
2All loans are subject to approval. Other conditions apply.
Individual Retirement Accounts (IRAs)
| Product | Minimum deposit | Minimum average daily balance to earn dividends |
Dividend rate | APY |
|---|---|---|---|---|
| Savings IRA | $10 | $10 | 0.25% | 0.25% |
| Certificate account IRAs (Fixed rate) | ||||
|---|---|---|---|---|
| Term | Minimum deposit and average daily balance |
Dividend rate | APY (Monthly Crediting) | APY (Annual/Maturity Crediting) |
| 3 months | $2,500 | 2.85% | N/A | 2.88% |
| 6 months | $2,500 | 3.85% | N/A | 3.89% |
| 12 months | $50 | 4.50% | 4.59% | 4.50% |
| 12-month Jumbo | $50,000 | 4.60% | 4.70% | 4.60% |
| 18 months | $1,000 | 4.15% | 4.23% | 4.16% |
| 24 months | $1,000 | 4.15% | 4.23% | 4.15% |
| 30 months | $1,000 | 3.75% | 3.81% | 3.76% |
| 36 months | $1,000 | 3.75% | 3.81% | 3.75% |
| 48 months | $1,000 | 3.75% | 3.81% | 3.75% |
| 60 months | $1,000 | 3.75% | 3.81% | 3.75% |
| Smart-Step (Variable rate) | ||||
| 24 months | $2,500 | 4.05% | 4.13% | N/A |
| 24-month Jumbo | $50,000 | 4.15% | 4.23% | N/A |
| Bump-up (Variable rate) | ||||
| 18 months | $5,000 | 4.05% | 4.13% | N/A |
| 18-month Jumbo | $50,000 | 4.15% | 4.23% | N/A |
| 60 months | $2,500 | 3.65% | 3.71% | N/A |
| 60-month Jumbo | $50,000 | 3.75% | 3.81% | N/A |
Prepare for the future by opening an individual retirement account (IRA)1 with GECU! We offer traditional IRAs, Roth IRAs and Coverdell education savings accounts (ESAs)2 that are federally insured by NCUA.
Explore your IRA options or open your account by contacting GECU Special Services toll-free at 1.800.772.4328.
APY — Annual percentage yield
Dividend rates may change after the account is opened. Rates are accurate as of Tuesday, November 19, 2024.
Dividends are compounded and credited quarterly on the last day of March, June, September and December. Dividends are paid from current earnings available after transfers to reserves and only after the board of directors of the credit union formally declares the dividend rate at the end of the quarter. A penalty will or may be imposed for early withdrawal. APY is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.
The dividend rate and APY on the fixed-rate certificate account are fixed until the maturity date of the certificate. Fees could reduce earnings on the account.
Early-withdrawal Penalty — Certificate accounts will be cancelled if the balance drops below the minimum amount required for the term of the account and an early-withdrawal penalty may apply. Early-withdrawal penalties for account terms of three and six months is 30 days of dividends (whether earned or not); 12 months is 90 days of dividends (whether earned or not); 18 and 24 months is 150 days of dividends (whether earned or not); 30, 36 and 48 months is 240 days of dividends (whether earned or not); and 60 months is 300 days of dividends (whether earned or not).
Smart-Step certificate accounts offer an option to increase the dividend rate during each term. This option may be used to increase the dividend rate to the current dividend rate in effect for this same type of certificate account on the day that the request is made in writing. 24-month term: one option to increase the dividend rate during each 24-month term. Smart-Step certificate accounts are promotional and subject to change, cancellation or renewal at the discretion of GECU. However, the certificate account will be renewed as a comparable certificate account that is available at that time, with prior notification from the credit union, unless within the five-calendar-day grace period, you select another product type and/or change the terms of the certificate account.
Bump-up certificate accounts offer an option to increase the dividend rate once during each term. This option may be used to increase the dividend rate to the current dividend rate in effect for this same type of certificate account on the day that the request is made in writing. Unlimited funds may be deposited at any time during the term of the certificate account. Bump-up certificate accounts are promotional and subject to change, cancellation, or renewal at the discretion of GECU. However, the certificate account will be renewed as a comparable certificate account that is available at that time, with prior notification from the credit union, unless within the five-calendar-day grace period, you select another product type and/or change the terms of the certificate account.
Bump-up certificate accounts do not qualify for Senior Privilege 15 additional basis points.
Open your account by calling us toll-free at 1.800.772.4328.
Ask us about our rates on a jumbo certificate account for $50,000 and above.
Membership eligibility is required.
1To open an IRA, you will need to make an appointment with GECU Special Services.
2Certain tax implication and contribution limitations apply to Coverdell ESAs. Consult your tax adviser for details.
Senior Privilege Accounts
We offer special perks for our members who are 60 years old or older! Enjoy a higher dividends on fixed- and variable-rate Smart-Step certificate accounts1 and individual retirement accounts.2 You’ll get an additional 15 basis points on your qualifying certificate accounts.
| Personal Checking Accounts | ||||
|---|---|---|---|---|
| Minimum deposit to open account | Minimum average daily balance to earn dividends | Dividend rate | Annual percentage yield | |
| Senior Privilege Checking | $0 | $2,500 | 0.10% | 0.10% |
| Fixed-rate certificate accounts | ||||
| Term | Minimum deposit and average daily balance | Dividend rate | APY (Monthly Crediting) | APY (Annual/Maturity Crediting) |
| 3 months | $2,500 | 2.90% | N/A | 2.93% |
| 6 months | $2,500 | 3.90% | N/A | 3.94% |
| 12 months | $50 | 4.55% | 4.65% | 4.55% |
| 12-month Jumbo | $50,000 | 4.65% | 4.75% | 4.65% |
| 18 months | $1,000 | 4.20% | 4.28% | 4.21% |
| 24 months | $1,000 | 4.20% | 4.28% | 4.20% |
| 30 months | $1,000 | 3.80% | 3.87% | 3.81% |
| 36 months | $1,000 | 3.80% | 3.87% | 3.80% |
| 48 months | $1,000 | 3.80% | 3.87% | 3.80% |
| 60 months | $1,000 | 3.80% | 3.86% | 3.80% |
| Personal Smart-Step Certificate Account (Variable rate) | ||||
| 24 months | $2,500 | 4.10% | 4.18% | N/A |
| 24-month Jumbo | $50,000 | 4.20% | 4.28% | N/A |
| Certificate Individual Retirement Accounts (IRAs) (Fixed rate) | ||||
| Term | Minimum deposit and average daily balance | Dividend rate | Monthly / APY | Annual / Maturity APY |
| 3 months | $2,500 | 3.00% | N/A | 3.03% |
| 6 months | $2,500 | 4.00% | N/A | 4.04% |
| 12 months | $50 | 4.65% | 4.75% | 4.65% |
| 12-month Jumbo | $50,000 | 4.75% | 4.86% | 4.75% |
| 18 months | $1,000 | 4.30% | 4.39% | 4.31% |
| 24 months | $1,000 | 4.30% | 4.39% | 4.30% |
| 30 months | $1,000 | 3.90% | 3.97% | 3.91% |
| 36 months | $1,000 | 3.90% | 3.97% | 3.90% |
| 48 months | $1,000 | 3.90% | 3.97% | 3.90% |
| 60 months | $1,000 | 3.90% | 3.97% | 3.90% |
| Personal Smart-Step Certificate Account IRA (Variable rate) | ||||
| 24 months | $2,500 | 4.20% | 4.28% | N/A |
| 24-month Jumbo | $50,000 | 4.30% | 4.39% | N/A |
APY — Annual Percentage Yield
Rates may change after the account is opened. Rates are accurate as of Tuesday, November 19, 2024.
Dividends on the checking accounts are compounded and credited monthly on the last business day of your statement cycle. Fees could reduce earnings on the account.
The dividend rate and APY on the fixed-rate certificate accounts are fixed until the maturity date of the certificate account. Fees could reduce earnings on the account.
Dividends are compounded and credited quarterly on the last day of March, June, September and December. Dividends are paid from current earnings available after transfers to reserves and only after the board of directors of the credit union formally declares the dividend rate at the end of the quarter. A penalty will or may be imposed for early withdrawal. APY is accurate as of the last dividend declaration date. Fees could reduce earnings on the account.
Early-withdrawal Penalty — Certificate accounts will be cancelled if the balance drops below the minimum amount required for the term of the account and an early-withdrawal penalty may apply. Early-withdrawal penalties for account terms of three and six months is 30 days of dividends (whether earned or not); 12 months is 90 days of dividends (whether earned or not); 18 and 24 months is 150 days of dividends (whether earned or not); 30, 36 and 48 months is 240 days of dividends (whether earned or not); and 60 months is 300 days of dividends (whether earned or not).
Smart-Step certificate accounts offer an option to increase the dividend rate during each term. This option may be used to increase the dividend rate to the current rate in effect for this same type of certificate on the day that the request is made in writing. 24-month term: one option to increase the dividend rate during each 24-month term. Smart-Step certificate accounts are promotional and subject to change, cancellation or renewal at the discretion of GECU. However, the certificate account will be renewed as a comparable certificate account that is available at that time, with prior notification from the credit union, unless within the five-calendar-day grace period, you select another product type and/or change the terms of the certificate account.
Open your account by calling us toll-free at 1.800.772.4328.
Ask us about our rates on a jumbo certificate account for $50,000 and above.
Membership eligibility is required.
1Must have a GECU share account to open a certificate account. Open a GECU share account with a one-time deposit of $10.
2To open an IRA, you will need to make an appointment with GECU Special Services.
Credit Card Rates
| Credit card | APR for purchases and balance transfers (Variable rate) | APR for cash advances (Variable rate) |
|---|---|---|
| Empowerment credit card | 12.65%–17.90% | 2% above your APR for purchases, not to exceed 17.90% |
| Rewards credit card | 15.49%–17.90% | 2% above your APR for purchases, not to exceed 17.90% |
Bring everything within reach with the purchasing power of the empowerment credit card or the reward points of the rewards credit cards!1
Get a 1.90% introductory APR2 for the first six months with a GECU Empowerment Credit Card. After that, the APR will be a variable rate (currently 12.65%–17.90%). Or enjoy earning 3x the points — that’s 4.5 points for every $1 spent3 — on qualifying purchases up to $5,000 during the first three months with a GECU Rewards Credit Card.
APR — Annual Percentage Rate
No balance transfer fee.
Review the current information on the credit card agreement and prices for GECU Empowerment Credit Card accounts here.
Review the current information on the credit card agreement and prices for GECU Rewards Credit Card accounts here.
Membership eligibility is required.
1Credit cards are revolving accounts. Subject to credit qualification and approval. Other conditions apply. The range of the disclosed APRs will vary with the market based on the prime rate and may have changed. See the variable rate and fees disclosures included in the GECU credit card application at your GECU location or online at gecu.com.
2Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment Credit Cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification that is based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles after opening the account for all purchases, balance transfers, convenience checks and cash advances. After that, the variable standard rate for purchases, balance transfers and convenience checks will apply (12.65%–17.90% APR as of October 1, 2024). The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. The introductory rate may end sooner if your payment is late. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Empowerment Credit Card at your GECU location or online at gecu.com. Introductory rate and range of rates do not apply to the GECU Rewards Credit Card.
3Subject to credit qualification and approval. Other conditions apply. Introductory rate is not available for the GECU Rewards Credit Card. The variable standard rate for purchases, balance transfers and convenience checks is 15.49%–17.90% Annual Percentage Rate (APR) as of October 1, 2024. The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. Introductory offer applies to new GECU Rewards Credit Cards only. You will only earn 4.5 points for every $1 spent on qualifying purchases within the first three months of opening the account, up to $5,000 total spent. Once you spend $5,000 within the first three months, you will earn 1.5 points per $1. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. Other limitations apply. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Rewards Credit Card. The GECU Pickaxe Rewards Credit Card is not a UTEP-sponsored affinity program.
Auto Loan Rates
| Model/Year | For terms of 0–48 months, APR as low as … |
For terms of 49–60 months, APR as low as … |
For terms of 61–66 months, APR as low as … |
For terms of 67–72 months,1 APR as low as … |
For terms of 73–78 months,2 APR as low as … |
For terms of 79–84 months,3 APR as low as … |
|---|---|---|---|---|---|---|
| 2025—2021 | 5.99% | 6.49% | 6.49% | 6.74% | 6.74% | 7.20% |
| 2020 | 5.99% | 6.49% | 6.49% | 6.74% | 6.74% | 7.20% |
| 2019 | 5.99% | 6.49% | 6.49% | 6.74% | 6.74% | N/A |
| 2018 | 5.99% | 6.49% | 6.49% | 6.74% | N/A | N/A |
| 2017 | 7.27% | 7.27% | 7.27% | N/A | N/A | N/A |
| 2016 & older | 7.52% | 7.52% | N/A | N/A | N/A | N/A |
Get an auto loan4 for any new or used auto from an online retailer, local dealership or person-to-person sale with competitively low rates, affordable payments and terms up to 84 months.5
APR — Annual Percentage Rate
Rates are accurate as of Wednesday, November 13, 2024.
Membership eligibility is required.
1Amount financed up to $15,000 for 67–72 month term.
2Amount financed up to $30,000 for 73–78 month term.
3Amount financed is $30,000 and above for 79–84 month term.
4All loans are subject to approval. Rates and terms are based on vehicle year and borrower’s credit qualifications, and are subject to change. Other conditions apply.
584 monthly payments of $15.23 per $1,000 borrowed (A+ tier) at 7.20% APR. Actual payment may be greater.
Personal Loan Rates
| Loan type | Collateral | APR as low as ... | Term |
|---|---|---|---|
| Personal loan | No collateral | 11.24% | Up to 24 months |
| Personal loan | No collateral | 12.85% | 25 to 60 months |
| Fully secured personal loan | Savings or certificate of deposit | Variable | Up to 120 months |
| Fast CashTM1 | No collateral | 27.90% | 6 months |
| Checking line of credit | No collateral | 16% | Revolving credit |
Use a personal loan2 on anything like debt consolidation, car repairs, home improvements, unexpected situations, medical expenses and so much more. Plus, you’ll enjoy competitive interest rates, affordable payments and easy terms!
APR — Annual Percentage Rate
Rates are accurate as of Tuesday, June 6, 2023.
60 monthly payments of $22.78 per $1,000 borrowed at 12.85% APR. Actual payment may be greater.
Membership eligibility is required.
1Timely payments over the six-month term may be used to help build your credit score. For a $1,000 loan for a term of six months with a 27.9% APR, the monthly payment will be $180.48. The maximum APR is 27.9%. No additional fees. Payment calculation does not include optional products such as payment protection. Fast Cash™ loans are not offered for terms less than 60 days. Other conditions apply. This institution is an equal opportunity provider.
2All loans are subject to approval. Rates and terms are based on borrower’s credit qualifications and subject to change. Other conditions apply.
Home Loan Rates
Imagine the possibilities with a home loan1 for the purchase of a newly built home or resale. Home loan refinancing and home equity loans are also available.
Our home loan professionals are ready to provide you with the step-by-step guidance that you need to move into the home of your dreams. Contact us to get prequalified, learn more about home-purchase assistance and see what offers are available!
Apply online now or by calling us toll-free at 1.800.772.4328.
APPLY FOR A HOME LOAN
Membership eligibility is required.
1All loans are subject to credit qualification and approval. The property must be located in Texas or New Mexico. Certain fees and conditions apply.
Home Improvement Loan Rates
| Home improvement loans (Less than or equal to $30,000) | |
|---|---|
| APR as low as | Terms |
| 9.90% | Up to 36 months1 |
| 10.30% | 37 to 60 months2 |
| 10.40% | 61 to 72 months3 |
| 10.45% | 73 to 84 months3 |
| 10.60% | 85 to 96 months4 |
| 10.60% | 97 to 108 months5 |
| 10.90% | 109 to 120 months6 |
Give your home the makeover it deserves with a home improvement loan!7 Get loans for up to $30,000 and use it on projects like …
- • Adding a new room
- • Remodeling the kitchen
- • Updating the landscaping
- • Renovating a bathroom
Plus, loans over $15,000 may get a $100 gift card!8
APR — Annual Percentage Rate
Rates are accurate as of Tuesday, June 6, 2023.
120 monthly payments of $13.77 per $1,000 borrowed at 10.90% APR. Actual payment may be greater.
Membership eligibility is required.
1Loan balance up to $2,500.
2Loan balance up to $5,000.
3Loan balance up to $10,000.
4Loan balance up to $18,000.
5Loan balance up to $22,000.
6Loan balance up to $30,000.
7All loans are subject to approval. Promotion is for loans equal to or greater than $15,000, up to $30,000, and must be funded by December 31, 2024. Other conditions apply.
8The $100 gift card will be available for loans that are $15,000, up to $30,000, and offered while supplies last. The gift card will be presented upon disbursement of the GECU Home Improvement Loan. This offer is nontransferable, limited to only one offer per household, and cannot be used in conjunction with any other offer. Qualifying borrowers can request to add on $15,000 or more to an existing GECU Home Improvement loan to receive this offer, total loan balance cannot exceed $30,000. This is a limited-time offer and may be withdrawn at any time.
RV, Boat and Motorcycle Loan Rates
| Product | APR | Terms |
|---|---|---|
|
New and used motor home, travel trailer and fifth wheel. (Rates are accurate as of Tuesday, April 4, 2017.) |
7.25%–16.5% 7.75%–17% 8.25%–16% 8.25%–16% 8.75%–16.5% |
1–66 months 67–72 months1 73–78 months2 79–84 months3 85–120 months4 |
|
New and used camper pop-up trailer, boat, motor trailer and boat trailer. (Rates are accurate as of Tuesday, February 28, 2017.) |
9.25%–17.5% 9.75%–17.9% 10.25%–17.90% |
1–23 months 24–47 months 48–60 months |
|
New and used motorcycle loans (Rates are accurate as of Tuesday, April 4, 2017.)
|
7.25%–16.5% 7.75%–17% 8.25%–16% 8.25%–16% |
1–66 months 67–72 months1 73–78 months2 79–84 months3 |
We offer recreational vehicle loans5 with competitive rates for new and used vehicles from a dealer, store, or private sale. We can help you see what loan amount you qualify for before you start shopping!
120 monthly payments of $12.57 per $1,000 borrowed at 8.75% APR.
60 monthly payments of $21.45 per $1,000 borrowed at 10.25% APR.
84 monthly payments of $15.76 per $1,000 borrowed at 8.25% APR.
APR — Annual Percentage Rate
Membership eligibility is required.
1Amount financed up to $15,000 for 67–72 month term.
2Amount financed up to $30,000 for 73–78 month term.
3Amount financed is $30,000 and above for 79–84 month term.
4Available for motor home, travel trailer and fifth-wheel financing (Subject to year
model and value).
5All loans are subject to approval. Rates and terms are based on vehicle’s year and borrower’s credit qualifications, and are subject to change. Other conditions apply.