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.

Today's mortgage rates

Product Rate APR
30-year fixed 5.250% 5.317%
15-year fixed 4.000% 4.111%
3/1 ARM 2.990% 4.380%
5/1 ARM 3.250% 4.406%
7/1 ARM 3.500% 4.456%
10/1 ARM 3.750% 4.455%

Submit your application

 

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 $1,104.41. The monthly payment of P&I for a 15-Year Fixed is $1,479.38. The monthly payment of P&I for a 3/1 ARM is $842.13. The monthly payment of P&I for a 5/1 ARM is $870.41. The monthly payment of P&I for a 7/1 ARM is $898.09. The monthly payment of P&I for a 10/1 ARM is $926.23. 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%**

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

Fixed-Rate Home Equity Loans

Term Rate APR
Up to 60 months 4.875% 4.876%
61 to 120 months 5.125% 5.125%
121 to 180 months 5.625% 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.

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.

Fixed Equity Rich Loans

Term Rate APR
10-year Fixed 3.500% 3.742%
15-year fixed 4.000% 4.170%

Effective 4.6.22

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 $494.43. The monthly payment of P&I for a 15-Year Fixed is $369.84. 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, 2019 and newer models, Up to 63 months As low as 2.69%
New/Used Cars, 2019 and newer models, 64 to 75 months As low as 3.24%
New/Used Cars, 2019 and newer models, 76 to 84 months* As low as 4.19%
Used Cars, 2016 through 2018 models, Up to 63 months As low as 3.24%
Used Cars, 2016 through 2018 models, 64 to 75 months As low as 3.49%
Used Cars, 2016 through 2018 models, 76 to 84 months* As low as 4.99%
Used Cars, 2015 and older models, Up to 63 months As low as 3.24%
Used Cars, 2012 through 2015, 64 to 75 months** As low as 3.49%

 

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 2012-2015 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, 2019 and newer models, Up to 63 months As low as 3.69%
New/Used Cars, 2019 and newer models, 64 to 75 months As low as 4.24%
New/Used Cars, 2019 and newer models, 76 to 84 months* As low as 5.19%
Used Cars, 2016 through 2018 models, Up to 63 months As low as 4.24%
Used Cars, 2016 through 2018 models, 64 to 75 months As low as 4.49%
Used Cars, 2016 through 2018 models, 76 to 84 months* As low as 5.99%
Used Cars, 2015 and older models, Up to 63 months As low as 4.24%
Used Cars, 2012 through 2015, 64 to 75 months** As low as 4.49%

 

*Minimum loan amount is $18,000.
**Minimum loan among is $10,000. Model years 2012-2015 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 7.00%
Signature Loans Up to 60 months As low as 8.00%

Effective 5.6.2022

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 8.00%

Effective 5.6.2022

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.

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 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, 2019 and newer models, Up to 36 months As low as 5.74%
New/Used Motorcycles, 2019 and newer models, 37 to 48 months As low as 6.24%
New/Used Motorcycles, 2019 and newer models, 49 to 60 months As low as 6.74%
Used Motorcycles, 2018 and older models, Up to 36 months As low as 6.74%
Used Motorcycles, 2018 and older models, 37 to 48 months As low as 7.24%
Used Motorcycles, 2018 and older models, 49 to 60 months As low as 7.74%

Effective 1.1.2022

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 10.99%
Platinum As low as 8.99%
Gold As low as 8.99%
The Classic As low as 7.49%
Classic Secured As low as 13.74%
Business As low as 9.99%

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.

Today's mortgage rates

Product Rate APR
30-year fixed 5.250% 5.317%
15-year fixed 4.000% 4.111%
3/1 ARM 2.990% 4.380%
5/1 ARM 3.250% 4.406%
7/1 ARM 3.500% 4.456%
10/1 ARM 3.750% 4.455%

Submit your application

 

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 $1,104.41. The monthly payment of P&I for a 15-Year Fixed is $1,479.38. The monthly payment of P&I for a 3/1 ARM is $842.13. The monthly payment of P&I for a 5/1 ARM is $870.41. The monthly payment of P&I for a 7/1 ARM is $898.09. The monthly payment of P&I for a 10/1 ARM is $926.23. 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%**

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

Fixed-Rate Home Equity Loans

Term Rate APR
Up to 60 months 4.875% 4.876%
61 to 120 months 5.125% 5.125%
121 to 180 months 5.625% 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.

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.

Fixed Equity Rich Loans

Term Rate APR
10-year Fixed 3.500% 3.742%
15-year fixed 4.000% 4.170%

Effective 4.6.22

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 $494.43. The monthly payment of P&I for a 15-Year Fixed is $369.84. 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, 2019 and newer models, Up to 63 months As low as 2.69%
New/Used Cars, 2019 and newer models, 64 to 75 months As low as 3.24%
New/Used Cars, 2019 and newer models, 76 to 84 months* As low as 4.19%
Used Cars, 2016 through 2018 models, Up to 63 months As low as 3.24%
Used Cars, 2016 through 2018 models, 64 to 75 months As low as 3.49%
Used Cars, 2016 through 2018 models, 76 to 84 months* As low as 4.99%
Used Cars, 2015 and older models, Up to 63 months As low as 3.24%
Used Cars, 2012 through 2015, 64 to 75 months** As low as 3.49%

 

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 2012-2015 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, 2019 and newer models, Up to 63 months As low as 3.69%
New/Used Cars, 2019 and newer models, 64 to 75 months As low as 4.24%
New/Used Cars, 2019 and newer models, 76 to 84 months* As low as 5.19%
Used Cars, 2016 through 2018 models, Up to 63 months As low as 4.24%
Used Cars, 2016 through 2018 models, 64 to 75 months As low as 4.49%
Used Cars, 2016 through 2018 models, 76 to 84 months* As low as 5.99%
Used Cars, 2015 and older models, Up to 63 months As low as 4.24%
Used Cars, 2012 through 2015, 64 to 75 months** As low as 4.49%

 

*Minimum loan amount is $18,000.
**Minimum loan among is $10,000. Model years 2012-2015 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 7.00%
Signature Loans Up to 60 months As low as 8.00%

Effective 5.6.2022

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 8.00%

Effective 5.6.2022

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.

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 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, 2019 and newer models, Up to 36 months As low as 5.74%
New/Used Motorcycles, 2019 and newer models, 37 to 48 months As low as 6.24%
New/Used Motorcycles, 2019 and newer models, 49 to 60 months As low as 6.74%
Used Motorcycles, 2018 and older models, Up to 36 months As low as 6.74%
Used Motorcycles, 2018 and older models, 37 to 48 months As low as 7.24%
Used Motorcycles, 2018 and older models, 49 to 60 months As low as 7.74%

Effective 1.1.2022

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 10.99%
Platinum As low as 8.99%
Gold As low as 8.99%
The Classic As low as 7.49%
Classic Secured As low as 13.74%
Business As low as 9.99%

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.

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

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