Loan Rates
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 LOAN APPLICATION (220.30 KB)
Click here for a LOAN APPLICATION you can print, complete and return to the CU. (Requires Acrobat Reader) |
| Model Year | Term | APR as LOW as |
| 2020 & 2021 less than 12,000 miles | 36 - 60 Months | 2.74% |
| 61 - 72 Months | 3.24% | |
| 2016 - UP | 24 - 48 Months | 3.49% |
| 49 - 60 Months | 3.99% | |
| 2013 - 2015 | 12 - 36 Months | 4.49% |
| 37 - 48 Months | 4.99% | |
| 2012 and Older | 12 - 36 Months | 5.74% |
| 37 - 48 Months | 6.24% | |
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Rates as of: July 1, 2020 DON'T FORGET: WE MATCH DEALER RATES Your Credit Union also offers an additional .50% DISCOUNT for vehicles with an EPA of 35 MPG or greater. Loan Rates Subject to Change without Notice. |
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Consumer Loan Rates (as of July 1, 2020)
| LOANS / LOAN OPTIONS | TERMS | Annual Percentage Rate (APR) |
| $500 - $25,000 Unsecured Loan | 12 - 60 Months | As Low as 7.75% |
| $5000 - $40,000 Secured Personal Loan | 12 - 120 Months | As Low as 5.125%** |
| $100 - $10,000 Line-of-Credit | Line-of-Credit | 13% |
| $500 Alternative Payday LOC | 3 Months | 18% |
| Share Secured Loan | As Requested | 3.10% |
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** based on 2.00% added to our 30 year, 60-day fixed mortgage rate at loan closing Loan Rates Subject to Change without Notice |
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Members borrow for personal, business or family needs.
We offer both unsecured and secured debt consolidation loans.
We offer overdraft lines-of-credit.
We can help you establish or repair credit.
Think of us if you want to buy furniture or appliances or have dental or other personal, business or family needs.
Our Members make the difference.
Member Since 1982
"I've been a member since the Credit Union was just Dave Knoll with a cardtable in the hallway of the old Genesee Coop on Saturday mornings. I've never been tempted to go anywhere else since that time, even though I now live thirty miles away. I like dealing with nice staff who know my name, who are eager to help, and who are dedicated to financial literacy and empowerment. Plus, it's good to know that my money is being used to invest in people rather than fill the pockets of the wealthiest.
In addition to savings and checking I've turned to the credit union for debit cards, line-of-credit, auto financing, on-line banking, and a home mortgage. I've now financed at least four cars through the credit union, and I've successfully encouraged friends to do the same.
One of my boldest statements ever in the face of raw financial power was when the car dealer required me to sit through a presentation on their financing. My response: "I'm a loyal credit union member, and I'll stick with it even if you offer me zero percent. If I ever get in trouble, the Credit Union will help me work it out, but you guys'll just send the collection agent after me." The guy just gulped and that was that.
Yee-hah!
And I don't want to forget to mention that as a Credit Union member I get to vote. Real democracy - awesome!
Genesee Co-op Federal Credit Union - it's the best deal in town!"