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General Electric Credit Union

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

rates_mortgage_portfolio table
ProductRateAPR
30-Year Fixed3.000%3.059%
15-Year Fixed2.375%2.481%
3/1 ARMFor current rates contact us during business hours.-
5/1 ARMFor current rates contact us during business hours.-
7/1 ARMFor current rates contact us during business hours.-
10/1 ARMFor current rates contact us during business hours.-

Submit Your Application Submit an Application with Co-Borrower

 

Effective 11.30.2021.

As low as rates assume the following: 80% loan-to-value (LTV), credit score of 740, and loan amount of $200,000.00. The monthly payment of principal and interest (P&I) for a 30-Year Fixed is $843.21. The monthly payment of P&I for a 15-Year Fixed is $1,321.84. 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

rates_home_equity_loc table
Loan AmountAPR
$10,000 - $49,999.992.49%*
$50,000 and Over2.49%**

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

rates_home_equity_loans table
TermRateAPR
Up to 60 months4.875%4.876%
61 to 120 months5.125%5.125%
121 to 180 months5.625%5.625%

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

rates_fixed_equity_rich table
TermRateAPR
10 - Year Fixed2.500%2.737%
15 - Year Fixed2.500%2.663%

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

rates_equity_rich_loc table
Loan AmountAPR
$10,000 - $49,999.992.49%*
$50,000 and Over2.49%**

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

rates_vehicle_loan table
TermAPR
New/Used Cars, 2018 and newer models, Up to 63 monthsAs low as 2.74%
New/Used Cars, 2018 and newer models, 64 to 75 monthsAs low as 3.24%
New/Used Cars, 2018 and newer models, 76 to 84 months*As low as 4.24%
Used Cars, 2015 through 2017 models, Up to 63 monthsAs low as 3.49%
Used Cars, 2015 through 2017 models, 64 to 75 monthsAs low as 4.24%
Used Cars, 2015 through 2017 models, 76 to 84 months*As low as 5.24%
Used Cars, 2014 and older models, Up to 63 monthsAs low as 5.24%

Effective 11.19.2021

APR will vary if the loan is signed at a partner dealer location.

*Minimum loan amount is $18,000.

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
Savings Secured3.00% Over Savings Rate
Certificate Secured3.00% Over Certificate Rate
New/Used Cars, 2018 and newer models, Up to 63 monthsAs low as 3.74%
New/Used Cars, 2018 and newer models, 64 to 75 monthsAs low as 4.24%
New/Used Cars, 2018 and newer models, 76 to 84 months*As low as 5.24%
Used Cars, 2015 through 2017 models, Up to 63 monthsAs low as 4.49%
Used Cars, 2015 through 2017 models, 64 to 75 monthsAs low as 5.24%
Used Cars, 2015 through 2017 models, 76 to 84 months*As low as 6.24%
Used Cars, 2014 and older models, Up to 63 monthsAs low as 6.24%

Effective 11.19.2021

*Minimum loan amount is $18,000.

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 6.25%
Signature Loans Up to 60 monthsAs 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)

rates_help table
TermAPR
30 days to 6 months18.00%

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)

rates_aloc table
Loan AmountAPR
$500 - $50,000As 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

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 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.

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 8.74%
New/Used Fixed $25,000 to $74,999.99 Up to 180 MonthsAs low as 7.49%
New/Used Fixed $10,000 to $24,999.99 Up to 84 MonthsAs low as 7.49%
New/Used Fixed $9,999.99 and Below Up to 72 MonthsAs 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

rates_motorcycle_loans table
TermAPR
New/Used Motorcycles, 2018 and newer models, Up to 36 monthsAs low as 5.74%
New/Used Motorcycles, 2018 and newer models, 37 to 48 monthsAs low as 6.24%
New/Used Motorcycles, 2018 and newer models, 49 to 60 monthsAs low as 6.74%
Used Motorcycles, 2017 and older models, Up to 36 monthsAs low as 6.74%
Used Motorcycles, 2017 and older models, 37 to 48 monthsAs low as 7.24%
Used Motorcycles, 2017 and older models, 49 to 60 monthsAs 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

rates_credit_card table
CardAPR
Visa SignatureŽAs low as 10.74%
PlatinumAs low as 8.74%
GoldAs low as 8.74%
The ClassicAs low as 7.24%
Classic SecuredAs low as 13.49%
BusinessAs 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

rates_overdraft_protection table
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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