Loan Rates
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| Model Year | Term | APR as LOW as* |
| 2022 & 2023 less than 12,000 miles | 36 - 60 Months | 4.49% |
| 61 - 72 Months | 4.99% | |
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2018 - UP
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24 - 48 Months | 5.24% |
| 49 - 60 Months | 5.74% | |
| 61 - 72 Months | 6.24% | |
| 2015 - 2017 | 12 - 36 Months | 6.24% |
| 37 - 48 Months | 6.74% | |
| 49 - 60 Months | 7.24% | |
| 2014 and Older | 12 - 36 Months | 7.49% |
| 37 - 48 Months | 7.99% | |
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Rates as of: January 1, 2023 A down payment may be required with any purchase. *.50% DISCOUNT for vehicles with an EPA mileage of 30 MPG or greater on Genesee Co-op FCU Posted Rates only.
WE MATCH DEALER RATES *Annual Percentage Rate. Quoted rates are based on credit worthiness, qualifications, and collateral conditions. All loans are subject to approval. Some rates may only be available for new purchases or external refinancing. Your actual APR may vary. Rates are current as of the date posted above and are subject to change without notice. |
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Consumer Loan Rates (as of December 1, 2022)
| LOANS / LOAN OPTIONS | TERMS | Annual Percentage Rate (APR) |
| $500 - $25,000 Unsecured Loan | 12 - 60 Months | As Low as 8.25% |
| $5000 - $40,000 Secured Personal Loan | 12 - 120 Months | As Low as 7.875%** |
| $100 - $10,000 Line-of-Credit | Line-of-Credit | 13% |
| $500 Alternative Payday LOC | 3 Months | 18% |
| Share Secured Loan | As Requested | 3.05% |
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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 1993
"I was working at Godiva's clothing store on Monroe Avenue when the credit union opened just down the street; so I decided to use them for my checking and savings accounts. Everyone there was friendly and community-oriented. Then I needed a used car loan and they helped with that too. Most importantly, in 2004, I got my mortgage through them, a 30-year-fixed at less than 6 percent interest. It took about a year to secure because the house had to be rehabilitated but they helped me discover the Southwedge Planning Committee to make it happen. It was exciting. They also helped my wife, who is from Colombia (South America), establish credit. In the meantime, they've helped me with my second and third car loans. I like the fact that they're in the neighborhood and when you walk in, the atmosphere just feels friendly. One of my friends had her artwork displayed on the walls. The credit union has helped me a lot and I've always referred my friends there."