Lending Rates
Mortgage | Home Equities | Equity Rich | Vehicle | Personal | HELP
Anytime Line of Credit | Boat/RV/Motorcycle | Credit Cards | Overdraft Protection
Today's Mortgage Rates
| Product | Rate | APR |
|---|---|---|
| 30-Year Fixed | 2.8750% | 2.9620% |
| 15-Year Fixed | 2.2500% | 2.4070% |
| 3/1 ARM | For current rates contact us during business hours. | - |
| 5/1 ARM | For current rates contact us during business hours. | - |
| 7/1 ARM | For current rates contact us during business hours. | - |
| 10/1 ARM | For current rates contact us during business hours. | - |
Effective 8.26.2021.
As low as rates assume the following: 80% loan-to-value (LTV), credit score of 740, and loan amount of $150,000.00. The monthly payment of principal and interest (P&I) for a 30-Year Fixed is $622.34. The monthly payment of P&I for a 15-Year Fixed is $982.63. If an Escrow account is required/requested, monthly payments will increase to include real estate taxes and homeowner’s insurance premiums. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates and full details.
Click here for complete disclosures to GECU's First Mortgage Loans.
Home Equity Lines of Credit
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 2.49%* |
| $50,000 and Over | 2.49%** |
Effctive 8.13.2021
*As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.00%.
**As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.25%.
The monthly payment of principal and interest (P&I) for a loan amount of $50,000.00 is $471.12.
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
| Term | Rate | APR |
|---|---|---|
| Up to 60 months | 4.8750% | 4.8756% |
| 61 to 120 months | 5.1250% | 5.1254% |
| 121 to 180 months | 5.6250% | 5.6253% |
Effective 8.13.2021
As low as rates assume the following: 2nd loan lien position, 80% combined loan-to-value (CLTV), credit score of 740, and loan amount of $50,000.00. The monthly payment of principal and interest (P&I) for a 5-Year Fixed is $940.70. The monthly payment of P&I for a 10-Year Fixed is $533.39. The monthly payment of P&I for a 15-Year Fixed is $411.87. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Fixed Home Equity Loans.
Fixed Equity Rich Loans
| Term | Rate | APR |
|---|---|---|
| 10 - Year Fixed | 2.5000% | 2.7370% |
| 15 - Year Fixed | 2.5000% | 2.6630% |
Effective 8.13.2021
As low as rates assume the following: 1st loan lien position, 80% combined loan-to-value (CLTV), credit score of 740, and loan amount of $50,000.00. The monthly payment of principal and interest (P&I) for a 10-Year Fixed is $471.35. The monthly payment of P&I for a 15-Year Fixed is $333.39. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. 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
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 2.49%* |
| $50,000 and Over | 2.49%** |
Effective 8.13.2021
*As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.00%.
**As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.25%.
The monthly payment of principal and interest (P&I) for a loan amount of $50,000.00 is $471.12.
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
| Term | APR |
|---|---|
| New/Used Cars, 2018 and newer models, Up to 63 months | As low as 2.74% |
| New/Used Cars, 2018 and newer models, 64 to 75 months | As low as 3.49% |
| New/Used Cars, 2018 and newer models, 76 to 84 months* | As low as 4.49% |
| Used Cars, 2015 through 2017 models, Up to 63 months | As low as 3.74% |
| Used Cars, 2015 through 2017 models, 64 to 75 months | As low as 4.84% |
| Used Cars, 2015 through 2017 models, 76 to 84 months* | As low as 5.84% |
| Used Cars, 2014 and older models, Up to 48 months | As low as 4.99% |
| Used Cars, 2014 and older models, 49 to 63 months | As low as 5.49% |
Effective 9.8.2021
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
| Collateral | APR |
|---|---|
| Savings Secured | 3.00% Over Savings Rate |
| Certificate Secured | 3.00% Over Certificate Rate |
| New/Used Cars, 2018 and newer models, Up to 63 months | As low as 3.74% |
| New/Used Cars, 2018 and newer models, 64 to 75 months | As low as 4.49% |
| New/Used Cars, 2018 and newer models, 76 to 84 months* | As low as 5.49% |
| Used Cars, 2015 through 2017 models, Up to 63 months | As low as 4.74% |
| Used Cars, 2015 through 2017 models, 64 to 75 months | As low as 5.84% |
| Used Cars, 2015 through 2017 models, 76 to 84 months* | As low as 6.84% |
| Used Cars, 2014 and older models, Up to 48 months | As low as 5.99% |
| Used Cars, 2014 and older models, 49 to 63 months | As low as 6.49% |
Effective 9.8.2021
*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
| Term | APR |
|---|---|
| Signature Loans Up to 24 months | As low as 6.25% |
| Signature Loans Up to 60 months | As low as 7.25% |
Effective 3.17.2019
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)
| Term | APR |
|---|---|
| 30 days to 6 months | 18.00% |
Effective 6.8.2021
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)
| Loan Amount | APR |
|---|---|
| $500 - $50,000 | As low as 7.25% |
Effective 3.17.2019
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
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above Up to 180 Months | As low as 7.49% |
| New/Used Fixed $25,000 to $74,999.99 Up to 180 Months | As low as 6.24% |
| New/Used Fixed $10,000 to $24,999.99 Up to 84 Months | As low as 6.24% |
| New/Used Fixed $9,999.99 and Below Up to 72 Months | As low as 6.24% |
Effective 9.15.2020
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.
Fixed RV Loans
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above Up to 180 Months | As low as 8.74% |
| New/Used Fixed $25,000 to $74,999.99 Up to 180 Months | As low as 7.49% |
| New/Used Fixed $10,000 to $24,999.99 Up to 84 Months | As low as 7.49% |
| New/Used Fixed $9,999.99 and Below Up to 72 Months | As low as 7.49% |
Effective 9.19.2018
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
| Term | APR |
|---|---|
| New/Used Motorcycles, 2018 and newer models, Up to 36 months | As low as 5.74% |
| New/Used Motorcycles, 2018 and newer models, 37 to 48 months | As low as 6.24% |
| New/Used Motorcycles, 2018 and newer models, 49 to 60 months | As low as 6.74% |
| Used Motorcycles, 2017 and older models, Up to 36 months | As low as 6.74% |
| Used Motorcycles, 2017 and older models, 37 to 48 months | As low as 7.24% |
| Used Motorcycles, 2017 and older models, 49 to 60 months | As low as 7.74% |
Effective 1.1.2021
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
| Card | APR |
|---|---|
| Visa SignatureŽ | As low as 10.74% |
| Platinum | As low as 8.74% |
| Gold | As low as 8.74% |
| The Classic | As low as 7.24% |
| Classic Secured | As low as 13.49% |
| Business | As low as 9.74% |
Effective 4.1.2020
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
| Annual Percentage Rate |
|---|
| 17.00% |
Effective 9.19.2007
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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