Loan Rates
Members may also apply through the online application available in online banking.
| Model Year | Term | APR as LOW as* |
| 2024 & 2025 less than 12,000 miles | 36 - 60 Months | 6.24% |
| 61 - 72 Months | 6.74% | |
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2020 - UP
|
24 - 48 Months | 6.49% |
| 49 - 60 Months | 6.99% | |
| 61 - 72 Months | 7.49% | |
| 2017 - 2019 | 12 - 36 Months | 7.49% |
| 37 - 48 Months | 7.99% | |
| 49 - 60 Months | 8.49% | |
| 2016 and Older | 12 - 36 Months | 8.74% |
| 37 - 48 Months | 9.24% | |
|
Rates as of: July 1st 2024 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 April, 3rd 2024)
| LOANS / LOAN OPTIONS | TERMS | Annual Percentage Rate (APR) |
| $500 - $25,000 Unsecured Loan | 12 - 60 Months | As Low as 8.75% |
| $5000 - $40,000 Secured Personal Loan | 12 - 120 Months | Rate Changes See Below** |
| $100 - $10,000 Line-of-Credit | Line-of-Credit | 13% |
| $500 Alternative Payday LOC | 3 Months | 18% |
| Share Secured Loan | As Requested | 3.25% |
|
** 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!"