Loan Rates
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| Model Year | Term | APR as LOW as* |
| 2022 & 2023 less than 12,000 miles | 36 - 60 Months | 3.24% |
| 61 - 72 Months | 3.74% | |
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2018 - UP
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24 - 48 Months | 3.99% |
| 49 - 60 Months | 4.49% | |
| 61 - 72 Months | 4.99% | |
| 2015 - 2017 | 12 - 36 Months | 4.99% |
| 37 - 48 Months | 5.49% | |
| 49 - 60 Months | 5.99% | |
| 2014 and Older | 12 - 36 Months | 6.24% |
| 37 - 48 Months | 6.74% | |
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Rates as of: July 1, 2022 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.
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 July 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 7.37%** |
| $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 15 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 2007
Alina had a car loan with HSBC that was at 18.26% which we refinanced for her at the credit union at 8.25% after she made on time payments for one year.
"Basically what institutions like our CU does for 'underserved' people like me, is to put a little faith and trust in our financial life. And that is all we need in order to get out of our broken situation. Believing in the human ability to overcome any situation just by supporting them is enough.
We human beings have an extraordinary capacity or resilience to move on to the next level and then aim for a better future.
I am a true example of that ... A woman with such a bleak financial broken history and here there is a bank in a city where I never imagined myself living someday who put a little bit of that 'faith' in me. What a miracle!"