Rates

Savings Rates - Effective Friday, September 1, 2017
APYMinimum
Deposit
Minimum
Balance
SHARE ACCOUNT0.150%$0.00$100.00
CHRISTMAS CLUB0.150%$0.00$0.00
IRA SH TRADITIONAL0.850%$0.00$0.00
IRA SHARE ROTH0.850%$0.00$0.00
Loan Rates - Effective Tuesday, September 26, 2017
Loan TypeRates as low asTerms/Information
New Vehicle Loan4.750%Terms up to 7 years
Used Vehicle Loan3.250%Terms up to 5 years
Equipment Loans7.750%Terms up to 4 years
Signature Loans9.000%Terms up to 4 years.
New Recreational Loan6.500%Terms up to 8 years
Used Recreational Loan5.500%Terms up to 6 years
Share Secured2.100%Requires pledge from a GCFCU savings account.
Certificate Secured2.100%Requires pledge from a GCFCU certificate.
Platinum VISA Credit Card8.900%up to $10,000 limit
Classic VISA Credit Card11.900%up to $5,000 limit
Secured VISA Credit Card6.900%Requires pledge from GCFCU savings account.
1st Mortgage Loan5.000%Rate varies by term. Contact us to apply.
2nd Mortgage Loan5.250%Rate varies by term. Contact us to apply.
Unimproved land6.500%Terms up to 10 years. Contact us toapply.
Certificate Rates - Effective Tuesday, September 26, 2017
Certificate TermAPYMinimum Deposit
6 MONTH CERTIFICATE0.040%$500.00
1 YEAR CERTIFICATE1.000%$500.00
2 YEAR CERTIFICATE1.210%$500.00

Early Withdrawal Penalty

GCFCU may impose a penalty if you make a withdrawal from your certificate account prior to its maturity date. Fees, if applicable, could reduce earnings.

Amount of Penalty

For certificate accounts, the amount of early withdrawal penalty is twenty dollars ($20.00) and is additionally based on the difference between the dividend rate paid on a certificate account and a regular share savings account. If all or any portion of a Certificate Account is withdrawn prior to maturity, the amount withdrawn will be penalized such that it will earn the current Regular Share Savings Dividend Rate which was disclosed when the Certificate Account was opened or renewed.