Lending Rates

Mortgage  |  Home Equities  |  Equity Rich  |  Vehicle  |  Personal  |  HELP
Anytime Line of Credit  |  Boat/RV/Motorcycle  |  Credit Cards  |  Overdraft Protection


GECU offers a full array of first mortgage products with varying rates. Please call one of our first mortgage professionals for more information about our mortgage products and rates.

First Mortgages as of August 15, 2018

Portfolio Mortgage Rates are as low as:

rates_mortgage_portfolio table
ProductRateAPR
10 - Year Fixed4.5000%4.6067%
10 - Year Fixed (70% Maximum loan to value)4.3750%4.4814%
15 - Year Fixed4.6250%4.7000%
3/1 ARM4.0000%4.8954%
5/1 ARM4.2500%4.9946%
7/1 ARM4.3750%5.1140%
10/1 ARM4.6250%5.1196%
15/1 ARM4.8750%5.1265%

Rate reduction options are available; ask your loan officer for details!

Rates are subject to change at anytime. Other loan products and terms are available. Your APR may vary based on your final loan amount and finance charges. At the time of loan disbursement, borrower(s) may be required to pay daily interest charges. There is a $500 origination fee for all first mortgage loans originated by GECU; all other closing costs will be waived. Prepaid and/or customary charges may apply. Please call: 513.243.4328 or 800.542.7093 for the most current rates and details.

Contact General Electric Credit Union for a copy of the complete disclosure and billing rights.


First Mortgages as of August 15, 2018

Secondary Mortgage Rates are as low as:

rates_mortgage_second table
ProductRate
15 - Year FixedFor current rates contact us during business hours.
30 - Year FixedFor current rates contact us during business hours.

Rates are subject to change at anytime. Other loan products and terms are available. Your APR may vary based on your final loan amount and finance charges.
Please call: 513.243.4328 or 800.542.7093 for the most current rates and details.

Contact General Electric Credit Union for a copy of the complete disclosure and billing rights.


Home Equity Lines of Credit

rates_home_equity_loc table
Loan AmountAPR
$10,000 - $49,999.995.000%*
$50,000 and Over4.750%**

Effective 07/01/2018

Program minimum rate is 3.75%; at no time will the rate go below 3.75% (excluding any special promotions).

*The rate is subject to adjustment on the first day of each calendar quarter to Prime - 0%.

**The rate is subject to adjustment on the first day of each calendar quarter to Prime - .25%

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for complete disclosures to GECU's Home Equity Lines of Credit.


Fixed-Rate Home Equity Loans

rates_home_equity_loans table
TermRateAPR
Up to 60 months4.7400%4.7405%
61 to 120 months5.0000%5.0003%
121 to 180 months5.5000%5.5003%

Effective 07/25/2018

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures to GECU's Fixed Equity Loans.


Fixed Equity Rich Loans

rates_fixed_equity_rich table
TermRateAPR
10 - Year Fixed (70% Maximum loan to value)4.3750%4.4814%
10 - Year Fixed4.5000%4.6067%
15 - Year Fixed4.6250%4.6999%

Effective 07/25/2018

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures to GECU's Fixed Equity Rich Loans.


Equity Rich Line of Credit

rates_equity_rich_loc table
Loan AmountAPR
$10,000 - $49,999.995.00%*
$50,000 and Over4.75%**

Effective 07/01/2018

Program minimum rate is 3.75%; at no time will the rate go below 3.75%.

*The rate is subject to adjustment on the first day of each calendar quarter to Prime - 0%.

**The rate is subject to adjustment on the first day of each calendar quarter to Prime -.25%.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures to GECU's Equity Rich Line of Credit.


Vehicle Loan Rates

rates_vehicle_loan table
TermAPR
New/Used Cars, 2015 and newer models, Up to 63 monthsAs low as 4.49%
New/Used Cars, 2015 and newer models, 64 to 75 monthsAs low as 4.74%
New/Used Cars, 2015 and newer models, 76 to 84 months*As low as 6.74%
Used Cars, 2012 through 2014 models, Up to 63 monthsAs low as 4.99%
Used Cars, 2012 through 2014 models, 64 to 75 monthsAs low as 5.74%
Used Cars, 2012 through 2014 models, 76 to 84 months*As low as 7.24%
Used Cars, 2011 and older models, Up to 48 monthsAs low as 5.74%
Used Cars, 2011 and older models, 49 to 63 monthsAs low as 6.24%

Effective 08/10/2018

Above rates may be subject to a .25% discount dependent upon financing needs; ask a GECU loan officer for details. APR will vary if the loan is signed at a partner dealer location.

*Minimum MSRP or NADA Retail must be $20,000.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for complete disclosures to GECU's Vehicle Loans.


Secured Personal Loans

rates_personal_loans table
CollateralAPR
Share Account Secured1.00% Over Share Rate
Certificate Secured1.00% Over Certificate Rate
New/Used Cars, 2015 and newer models, Up to 63 monthsAs low as 5.49%
New/Used Cars, 2015 and newer models, 64 to 75 monthsAs low as 5.74%
New/Used Cars, 2015 and newer models, 76 to 84 months*As low as 7.74%
Used Cars, 2012 through 2014 models, Up to 63 monthsAs low as 5.99%
Used Cars, 2012 through 2014 models, 64 to 75 monthsAs low as 6.74%
Used Cars, 2012 through 2014 models, 76 to 84 months*As low as 8.24%
Used Cars, 2011 and older models, Up to 48 monthsAs low as 6.74%
Used Cars, 2011 and older models, 49 to 63 monthsAs low as 7.24%

Effective 08/10/2018

*Minimum MSRP or NADA Retail must be $20,000.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for complete disclosures to GECU's Secured Personal Loans.


Unsecured Personal Loans

rates_unsecured_personal_loans table
TermAPR
Signature Loans Up to 24 monthsAs low as 7.00%
Signature Loans Up to 60 monthsAs low as 8.00%

Effective 06/15/2018

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures to GECU's Unsecured Personal Loans.


Hardship Emergency Loan Program (HELP)

rates_help table
TermAPR
30 days to 6 months18.00%

Effective 07/17/2015

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures to GECU's HELP Loan.


Anytime Line of Credit (ALOC)

rates_aloc table
Loan AmountAPR
$500 - $50,000As low as 8.00%

Effective 06/15/2018

Program minimum rate is 6% and maximum rate is 18%. The rate is variable and adjusts with the Prime Rate. Credit will be reviewed annually and ALOC applied credit tier will adjust according to the credit score at the time of review.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures for GECU's Anytime Line of Credit.


Fixed Boat Loans

rates_boat_loans table
TermAPR
New/Used Fixed $75,000 and Above Up to 180 MonthsAs low as 7.49%
New/Used Fixed $25,000 to $74,999.99 Up to 180 MonthsAs low as 6.24%
New/Used Fixed $10,000 to $24,999.99 Up to 84 MonthsAs low as 6.24%
New/Used Fixed $9,999.99 and Below Up to 72 MonthsAs low as 6.24%

Effective 07/25/2018

Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for complete disclosures to GECU's Fixed Marine Loans.

Fixed RV Loans

rates_rv_loans table
TermAPR
New/Used Fixed $75,000 and Above Up to 180 MonthsAs low as 8.49%
New/Used Fixed $25,000 to $74,999.99 Up to 180 MonthsAs low as 7.24%
New/Used Fixed $10,000 to $24,999.99 Up to 84 MonthsAs low as 7.24%
New/Used Fixed $9,999.99 and Below Up to 72 MonthsAs low as 7.24%

Effective 07/25/2018

Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for complete disclosures to GECU's Fixed RV Loans.


Motorcycle Loans

rates_motorcycle_loans table
TermAPR
New/Used Motorcycles, 2015 and newer models, Up to 36 monthsAs low as 5.49%
New/Used Motorcycles, 2015 and newer models, 37 to 48 monthsAs low as 5.99%
New/Used Motorcycles, 2015 and newer models, 49 to 60 monthsAs low as 6.49%
Used Motorcycles, 2014 and older models, Up to 36 monthsAs low as 6.49%
Used Motorcycles, 2014 and older models, 37 to 48 monthsAs low as 6.99%
Used Motorcycles, 2014 and older models, 49 to 60 monthsAs low as 7.49%

Effective 07/25/2018

Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates

Click here for complete disclosures to GECU's Motorcycle Loans.


Credit Card

rates_credit_card table
CardAPR
Visa SignatureŽAs low as 12.49%
PlatinumAs low as 10.49%
GoldAs low as 10.49%
The ClassicAs low as 8.99%
Classic SecuredAs low as 15.24%
BusinessAs low as 11.49%

Effective 07/01/2018

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for complete disclosures to GECU's Credit Cards.


Overdraft Protection

rates_overdraft_protection table
Annual Percentage Rate
17.00%

Effective 09/19/2007

Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.

Click here for the complete disclosures to GECU's Overdraft Protection.

 

 

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. Disclosures are available upon request.

 


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