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 December 6, 2018
Portfolio Mortgage Rates are as low as:
| Product | Rate | APR |
|---|---|---|
| 10 - Year Fixed | 4.6250% | 4.7320% |
| 10 - Year Fixed (70% Maximum loan to value) | 4.5000% | 4.6067% |
| 15 - Year Fixed | 4.7500% | 4.8252% |
| 3/1 ARM | 4.0000% | 4.8954% |
| 5/1 ARM | 4.2500% | 4.9946% |
| 7/1 ARM | 4.3750% | 5.1140% |
| 10/1 ARM | 4.6250% | 5.1196% |
| 15/1 ARM | 5.0000% | 5.2500% |
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 December 6, 2018
Secondary Mortgage Rates are as low as:
| Product | Rate |
|---|---|
| 15 - Year Fixed | For current rates contact us during business hours. |
| 30 - Year Fixed | For 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
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 5.25%* |
| $50,000 and Over | 5.00%** |
Effective 10/01/2018
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
| 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 10/9/2018
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
| Term | Rate | APR |
|---|---|---|
| 10 - Year Fixed (70% Maximum loan to value) | 4.5000% | 4.6067% |
| 10 - Year Fixed | 4.6250% | 4.7319% |
| 15 - Year Fixed | 4.7500% | 4.8252% |
Effective 10/9/2018
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
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 5.25%* |
| $50,000 and Over | 5.00%** |
Effective 10/01/2018
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
| Term | APR |
|---|---|
| New/Used Cars, 2015 and newer models, Up to 63 months | As low as 5.24% |
| New/Used Cars, 2015 and newer models, 64 to 75 months | As low as 5.49% |
| New/Used Cars, 2015 and newer models, 76 to 84 months* | As low as 7.49% |
| Used Cars, 2012 through 2014 models, Up to 63 months | As low as 5.74% |
| Used Cars, 2012 through 2014 models, 64 to 75 months | As low as 6.49% |
| Used Cars, 2012 through 2014 models, 76 to 84 months* | As low as 7.99% |
| Used Cars, 2011 and older models, Up to 48 months | As low as 6.49% |
| Used Cars, 2011 and older models, 49 to 63 months | As low as 6.99% |
Effective 11/16/2018
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
| Collateral | APR |
|---|---|
| Share Account Secured | 1.00% Over Share Rate |
| Certificate Secured | 1.00% Over Certificate Rate |
| New/Used Cars, 2015 and newer models, Up to 63 months | As low as 6.24% |
| New/Used Cars, 2015 and newer models, 64 to 75 months | As low as 6.49% |
| New/Used Cars, 2015 and newer models, 76 to 84 months* | As low as 8.49% |
| Used Cars, 2012 through 2014 models, Up to 63 months | As low as 6.74% |
| Used Cars, 2012 through 2014 models, 64 to 75 months | As low as 7.49% |
| Used Cars, 2012 through 2014 models, 76 to 84 months* | As low as 8.99% |
| Used Cars, 2011 and older models, Up to 48 months | As low as 7.49% |
| Used Cars, 2011 and older models, 49 to 63 months | As low as 7.99% |
Effective 11/16/2018
*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
| Term | APR |
|---|---|
| Signature Loans Up to 24 months | As low as 7.25% |
| Signature Loans Up to 60 months | As low as 8.25% |
Effective 09/28/2018
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)
| Term | APR |
|---|---|
| 30 days to 6 months | 18.00% |
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)
| Loan Amount | APR |
|---|---|
| $500 - $50,000 | As low as 8.25% |
Effective 09/28/2018
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
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above Up to 180 Months | As low as 7.74% |
| New/Used Fixed $25,000 to $74,999.99 Up to 180 Months | As low as 6.49% |
| New/Used Fixed $10,000 to $24,999.99 Up to 84 Months | As low as 6.49% |
| New/Used Fixed $9,999.99 and Below Up to 72 Months | As low as 6.49% |
Effective 09/19/2018
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.
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 09/19/2018
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, 2015 and newer models, Up to 36 months | As low as 5.74% |
| New/Used Motorcycles, 2015 and newer models, 37 to 48 months | As low as 6.24% |
| New/Used Motorcycles, 2015 and newer models, 49 to 60 months | As low as 6.74% |
| Used Motorcycles, 2014 and older models, Up to 36 months | As low as 6.74% |
| Used Motorcycles, 2014 and older models, 37 to 48 months | As low as 7.24% |
| Used Motorcycles, 2014 and older models, 49 to 60 months | As low as 7.74% |
Effective 09/19/2018
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 Motorcycle Loans.
Credit Card
| Card | APR |
|---|---|
| Visa SignatureŽ | As low as 12.74% |
| Platinum | As low as 10.74% |
| Gold | As low as 10.74% |
| The Classic | As low as 9.24% |
| Classic Secured | As low as 15.49% |
| Business | As low as 11.74% |
Effective 10/01/2018
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
| 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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