Rates

Savings Rates - Effective Tuesday, September 1, 2020
APYMinimum
Deposit
Minimum
Balance
SHARE ACCOUNT0.100%$0.00$100.00
CHRISTMAS CLUB0.100%$0.00$0.00
IRA SH TRADITIONAL0.250%$0.00$0.00
IRA SHARE ROTH0.250%$0.00$0.00
Loan Rates - Effective Saturday, November 28, 2020
Loan TypeRates as low asTerms/Information
New Vehicle Loan2.990%Terms up to 7 years
Used Vehicle Loan3.250%Terms up to 6 years
Equipment Loans7.750%Terms up to 4 years
Signature Loans4.990%Terms up to 4 years.
New Recreational Loan3.990%Terms up to 8 years
Used Recreational Loan5.000%Terms up to 6 years
Share Secured2.100%Requires pledge from a GCFCU savings account.
Certificate Secured5.000%Requires pledge from a GCFCU certificate.
1st Mortgage Loan2.990%Rate varies by term. Contact us to apply.
2nd Mortgage Loan4.000%Rate varies by term. Contact us to apply.
Unimproved land4.990%Terms up to 10 years. Contact us toapply.
Certificate Rates - Effective Saturday, November 28, 2020
Certificate TermAPYMinimum Deposit
6 MONTH CERTIFICATE0.150%$500.00
1 YEAR CERTIFICATE0.200%$500.00
2 YEAR CERTIFICATE0.250%$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 If all or any portion of a Certificate Account is withdrawn prior to maturity, the amount withdrawn will be penalized such that it will earn the current Regular Share Savings Dividend Rate which was disclosed when the Certificate Account was opened or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.