Lending rates
A lending rate, also known as a loan interest rate, is the amount you are charged by a lender in exchange for access to the loan. Review our loan options below and secure the best housing loan, auto loan, credit card, and more.
- Mortgage
- Home Equities
- Equity Rich
- Vehicle
- Personal
- HELP
- Anytime Line of Credit
- Boat/RV/motorcycle
- Credit cards
- Overdraft Protection
Today's mortgage rates
Mortgage Rates: As low as rates assume the following: 80% loan-to-value (LTV), credit score of 740, and loan amount of $200,000.00. 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.
Home Equity Lines of Credit
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 3.49%* |
| $50,000 and over | 3.49%** |
Effective 7.8.2022
Effective 7.8.2022
*As low as 3.49% 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 3.49% 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 $494.20.
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 | 6.500% | 6.501% |
| 61 to 120 months | 7.000% | 7.001% |
| 121 to 180 months | 7.500% | 7.501% |
Effective 3.24.2023
Effective 3.24.2023
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 $978.31. The monthly payment of P&I for a 10-Year Fixed is $580.54. The monthly payment of P&I for a 15-Year Fixed is $463.51. 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.
Equity Rich Line of Credit
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 3.49%* |
| $50,000 and over | 3.49%** |
Effective 7.8.2022
Effective 7.8.2022
*As low as 3.49% 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 3.49% 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 $494.20.
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.
Fixed Equity Rich Loans
| Term | Rate | APR |
|---|---|---|
| 10-year Fixed | 5.625% | 5.884% |
| 15-year fixed | 5.750% | 5.934% |
Effective 3.24.2023
Effective 3.24.2023
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 $545.73. The monthly payment of P&I for a 15-Year Fixed is $415.21. 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.
Vehicle Loan Rates
| Term | APR |
|---|---|
| New/Used Cars, 2020 and newer models, Up to 63 months | As low as 5.74% |
| New/Used Cars, 2020 and newer models, 64 to 75 months | As low as 6.99% |
| New/Used Cars, 2020 and newer models, 76 to 84 months* | As low as 7.99% |
| Used Cars, 2017 through 2019 models, Up to 63 months | As low as 7.24% |
| Used Cars, 2017 through 2019 models, 64 to 75 months | As low as 7.74% |
| Used Cars, 2017 through 2019 models, 76 to 84 months* | As low as 8.74% |
| Used Cars, 2016 and older models, Up to 63 months | As low as 7.24% |
| Used Cars, 2013 through 2016, 64 to 75 months** | As low as 7.74% |
Effective 5.5.2023
APR will vary if the loan is signed at a partner dealer location.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2013-2016 only.
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, 2020 and newer models, Up to 63 months | As low as 6.74% |
| New/Used Cars, 2020 and newer models, 64 to 75 months | As low as 7.99% |
| New/Used Cars, 2020 and newer models, 76 to 84 months* | As low as 8.99% |
| Used Cars, 2017 through 2019 models, Up to 63 months | As low as 8.24% |
| Used Cars, 2017 through 2019 models, 64 to 75 months | As low as 8.74% |
| Used Cars, 2017 through 2019 models, 76 to 84 months* | As low as 9.74% |
| Used Cars, 2016 and older models, Up to 63 months | As low as 8.24% |
| Used Cars, 2013 through 2016, 64 to 75 months** | As low as 8.74% |
Effective 5.5.2023
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2013-2016 only
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 11.25% |
| Signature Loans Up to 60 months | As low as 12.25% |
Effective 5.5.2023
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 12.25% |
Effective 5.5.2023
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 8.49% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 7.49% |
| New/Used Fixed $24,999.99 and Below, Up to 84 Months | As low as 6.99% |
Effective 4.20.2023
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
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above, Up to 180 Months | As low as 9.99% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 9.49% |
| New/Used Fixed $24,999.99 and Below, Up to 84 Months | As low as 8.49% |
Effective 4.20.2023
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, 2020 and newer models, Up to 36 months | As low as 5.74% |
| New/Used Motorcycles, 2020 and newer models, 37 to 48 months | As low as 6.24% |
| New/Used Motorcycles, 2020 and newer models, 49 to 60 months | As low as 6.74% |
| Used Motorcycles, 2019 and older models, Up to 36 months | As low as 6.74% |
| Used Motorcycles, 2019 and older models, 37 to 48 months | As low as 7.24% |
| Used Motorcycles, 2019 and older models, 49 to 60 months | As low as 7.74% |
Effective 1.1.2023
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 Signature® | As low as 15.49% |
| Platinum | As low as 13.49% |
| Gold | As low as 13.49% |
| The Classic | As low as 11.99% |
| Classic Secured | As low as 18.00% |
| Business | As low as 14.49% |
Effective 4.1.23
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
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.
Today's mortgage rates
Mortgage Rates: As low as rates assume the following: 80% loan-to-value (LTV), credit score of 740, and loan amount of $200,000.00. 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.
Home Equity Lines of Credit
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 3.49%* |
| $50,000 and over | 3.49%** |
Effective 7.8.2022
Effective 7.8.2022
*As low as 3.49% 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 3.49% 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 $494.20.
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 | 6.500% | 6.501% |
| 61 to 120 months | 7.000% | 7.001% |
| 121 to 180 months | 7.500% | 7.501% |
Effective 3.24.2023
Effective 3.24.2023
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 $978.31. The monthly payment of P&I for a 10-Year Fixed is $580.54. The monthly payment of P&I for a 15-Year Fixed is $463.51. 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.
Equity Rich Line of Credit
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 3.49%* |
| $50,000 and over | 3.49%** |
Effective 7.8.2022
Effective 7.8.2022
*As low as 3.49% 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 3.49% 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 $494.20.
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.
Fixed Equity Rich Loans
| Term | Rate | APR |
|---|---|---|
| 10-year Fixed | 5.625% | 5.884% |
| 15-year fixed | 5.750% | 5.934% |
Effective 3.24.2023
Effective 3.24.2023
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 $545.73. The monthly payment of P&I for a 15-Year Fixed is $415.21. 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.
Vehicle Loan Rates
| Term | APR |
|---|---|
| New/Used Cars, 2020 and newer models, Up to 63 months | As low as 5.74% |
| New/Used Cars, 2020 and newer models, 64 to 75 months | As low as 6.99% |
| New/Used Cars, 2020 and newer models, 76 to 84 months* | As low as 7.99% |
| Used Cars, 2017 through 2019 models, Up to 63 months | As low as 7.24% |
| Used Cars, 2017 through 2019 models, 64 to 75 months | As low as 7.74% |
| Used Cars, 2017 through 2019 models, 76 to 84 months* | As low as 8.74% |
| Used Cars, 2016 and older models, Up to 63 months | As low as 7.24% |
| Used Cars, 2013 through 2016, 64 to 75 months** | As low as 7.74% |
Effective 5.5.2023
APR will vary if the loan is signed at a partner dealer location.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2013-2016 only.
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, 2020 and newer models, Up to 63 months | As low as 6.74% |
| New/Used Cars, 2020 and newer models, 64 to 75 months | As low as 7.99% |
| New/Used Cars, 2020 and newer models, 76 to 84 months* | As low as 8.99% |
| Used Cars, 2017 through 2019 models, Up to 63 months | As low as 8.24% |
| Used Cars, 2017 through 2019 models, 64 to 75 months | As low as 8.74% |
| Used Cars, 2017 through 2019 models, 76 to 84 months* | As low as 9.74% |
| Used Cars, 2016 and older models, Up to 63 months | As low as 8.24% |
| Used Cars, 2013 through 2016, 64 to 75 months** | As low as 8.74% |
Effective 5.5.2023
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2013-2016 only
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 11.25% |
| Signature Loans Up to 60 months | As low as 12.25% |
Effective 5.5.2023
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 12.25% |
Effective 5.5.2023
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 8.49% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 7.49% |
| New/Used Fixed $24,999.99 and Below, Up to 84 Months | As low as 6.99% |
Effective 4.20.2023
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
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above, Up to 180 Months | As low as 9.99% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 9.49% |
| New/Used Fixed $24,999.99 and Below, Up to 84 Months | As low as 8.49% |
Effective 4.20.2023
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, 2020 and newer models, Up to 36 months | As low as 5.74% |
| New/Used Motorcycles, 2020 and newer models, 37 to 48 months | As low as 6.24% |
| New/Used Motorcycles, 2020 and newer models, 49 to 60 months | As low as 6.74% |
| Used Motorcycles, 2019 and older models, Up to 36 months | As low as 6.74% |
| Used Motorcycles, 2019 and older models, 37 to 48 months | As low as 7.24% |
| Used Motorcycles, 2019 and older models, 49 to 60 months | As low as 7.74% |
Effective 1.1.2023
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 Signature® | As low as 15.49% |
| Platinum | As low as 13.49% |
| Gold | As low as 13.49% |
| The Classic | As low as 11.99% |
| Classic Secured | As low as 18.00% |
| Business | As low as 14.49% |
Effective 4.1.23
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
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.
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