Rates

Savings Rates - Effective Tuesday, September 1, 2020
APYMinimum
Deposit
Minimum
Balance
SHARE ACCOUNT0.1% $100
CHRISTMAS CLUB0.1% $0
IRA SH TRADITIONAL0.25% $0
IRA SHARE ROTH0.25% $0
Loan Rates - Effective Thursday, August 5, 2021
Loan TypeRates as low asTerms & Information
New Vehicle Loan » 2.5% 60 M Terms up to 7 years
Used Vehicle Loan » 2.99% 48 M Terms up to 6 years
Equipment Loans » 4.99% 24 M Terms up to 4 years
Signature Loans » 7.99% 12 M Terms up to 5 years.
New Recreational Loan » 3.99% 24 M Terms up to 10 years
Used Recreational Loan » 3.99% 24 M Terms up to 10 years
CREDIT BUILDER LOAN » 10.99% 24 M Terms up to 2 years
Share Secured » 2.1% 24 M Requires pledge from a GCFCU savings account.
Certificate Secured » 5% 24 M Requires pledge from a GCFCU certificate.
LOAN SPECIALS » 0% 12 M TERM UP TO 1 YEAR
1st Mortgage Loan 2.99% 0 M Rate varies by term. Contact us to apply.
2nd Mortgage Loan 4% 0 M Rate varies by term. Contact us to apply.
Unimproved land 4.99% 0 M Terms up to 10 years. Contact us toapply.
Certificate Rates - Effective Thursday, August 5, 2021
Certificate TermAPYMinimum Deposit
6 MONTH CERTIFICATE0.15%$500
1 YEAR CERTIFICATE0.2%$500
2 YEAR CERTIFICATE0.25%$500

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 If all or any portion of a Certificate Account is withdrawn prior to maturity, the amount withdrawn will be penalized such that it will earn the current Regular Share Savings Dividend Rate which was disclosed when the Certificate Account was opened or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.