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 home loan, auto loan, credit card, and more.

Mortgage rates

To learn more about our rates, complete this short form and we'd be happy to get in touch with you.

Loan Amount APR
$10,000 - $49,999.99 5.99%*
$50,000 and over 5.99%**

*As low as 5.99% is introductory rate for a 6-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 5.99% is introductory rate for a 6-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%.
Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Term Rate APR
Up to 60 months 7.625% 7.627%
61 to 120 months 8.125% 8.126%
121 to 180 months 8.500% 8.501%

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 $1,004.87. The monthly payment of P&I for a 10-Year Fixed is $609.95. The monthly payment of P&I for a 15-Year Fixed is $492.37. 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. View complete disclosures.

Equity Rich Line of Credit

Loan Amount APR
$10,000 - $49,999.99 5.99%*
$50,000 and over 5.99%**

*As low as 5.99% is introductory rate for a 6-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 5.99% is introductory rate for a 6-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%.
Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Fixed Equity Rich Loans

Term Rate APR
10-year Fixed 7.250% 7.518%
15-year fixed 7.500% 7.695%

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 $587.01. 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. View complete disclosures.

Vehicle Loan Rates

Term APR
New/Used Cars, 2021 and newer models, Up to 63 months As low as 7.24%
New/Used Cars, 2021 and newer models, 64 to 75 months As low as 7.74%
New/Used Cars, 2021 and newer models, 76 to 84 months* As low as 9.64%
Used Cars, 2018 through 2020 models, Up to 63 months As low as 8.14%
Used Cars, 2018 through 2020 models, 64 to 75 months As low as 8.54%
Used Cars, 2018 through 2020 models, 76 to 84 months* As low as 10.39%
Used Cars, 2017 and older models, Up to 63 months As low as 8.49%
Used Cars, 2014 through 2017, 64 to 75 months** As low as 8.89%

APR = Annual Percentage Rate. 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. View complete disclosures.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2014-2017 only.

Secured Personal Loans

Collateral APR
Savings Secured 3.00% Over Savings Rate
Certificate Secured 3.00% Over Certificate Rate
New/Used Cars, 2021 and newer models, Up to 63 months As low as 8.24%
New/Used Cars, 2021 and newer models, 64 to 75 months As low as 8.74%
New/Used Cars, 2021 and newer models, 76 to 84 months* As low as 10.64%
Used Cars, 2018 through 2020 models, Up to 63 months As low as 9.14%
Used Cars, 2018 through 2020 models, 64 to 75 months As low as 9.54%
Used Cars, 2018 through 2020 models, 76 to 84 months* As low as 11.39%
Used Cars, 2017 and older models, Up to 63 months As low as 9.49%
Used Cars, 2014 through 2017, 64 to 75 months** As low as 9.89%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2014-2017 only

Unsecured Personal Loans

Term APR
Signature Loans Up to 24 months As low as 11.50%
Signature Loans Up to 60 months As low as 12.50%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Hardship Emergency Loan Program (HELP)

Term APR
30 days to 6 months 18.00%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Anytime Line of Credit (ALOC)

Loan Amount APR
$500 - $50,000 As low as 12.50%

APR = Annual Percentage Rate. 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. View complete disclosures.

Fixed Boat Loans

Term APR
New/Used Fixed $75,000 and Above, Up to 180 Months As low as 9.79%
New/Used Fixed $25,000 to $74,999.99, Up to 180 Months As low as 9.59%
New/Used Fixed $24,999.99 and Below, Up to 84 Months As low as 8.59%

APR = Annual Percentage Rate. 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. View complete disclosures.

Fixed RV Loans

Term APR
New/Used Fixed $75,000 and Above, Up to 180 Months As low as 10.49%
New/Used Fixed $25,000 to $74,999.99, Up to 180 Months As low as 9.99%
New/Used Fixed $24,999.99 and Below, Up to 84 Months As low as 8.99%

APR = Annual Percentage Rate. 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. View complete disclosures.

Motorcycle Loans

Term APR
New/Used Motorcycles, 2021 and newer models, Up to 36 months As low as 7.49%
New/Used Motorcycles, 2021 and newer models, 37 to 48 months As low as 7.74%
New/Used Motorcycles, 2021 and newer models, 49 to 60 months As low as 7.99%
Used Motorcycles, 2020 and older models, Up to 36 months As low as 8.49%
Used Motorcycles, 2020 and older models, 37 to 48 months As low as 8.74%
Used Motorcycles, 2020 and older models, 49 to 60 months As low as 8.99%

APR = Annual Percentage Rate. 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. View complete disclosures.

Credit card

Card APR
Visa Signature® As low as 15.99%
Platinum As low as 13.99%
Gold As low as 13.99%
The Classic As low as 12.49%
Classic Secured As low as 18.00%
Business As low as 14.99%

APR = Annual Percentage Rate. Rates are subject to change quarterly. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Overdraft Line of Credit

Annual Percentage Rate
17.00%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Mortgage rates

To learn more about our rates, complete this short form and we'd be happy to get in touch with you.

Loan Amount APR
$10,000 - $49,999.99 5.99%*
$50,000 and over 5.99%**

*As low as 5.99% is introductory rate for a 6-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 5.99% is introductory rate for a 6-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%.
Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Term Rate APR
Up to 60 months 7.625% 7.627%
61 to 120 months 8.125% 8.126%
121 to 180 months 8.500% 8.501%

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 $1,004.87. The monthly payment of P&I for a 10-Year Fixed is $609.95. The monthly payment of P&I for a 15-Year Fixed is $492.37. 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. View complete disclosures.

Equity Rich Line of Credit

Loan Amount APR
$10,000 - $49,999.99 5.99%*
$50,000 and over 5.99%**

*As low as 5.99% is introductory rate for a 6-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 5.99% is introductory rate for a 6-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%.
Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Fixed Equity Rich Loans

Term Rate APR
10-year Fixed 7.250% 7.518%
15-year fixed 7.500% 7.695%

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 $587.01. 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. View complete disclosures.

Vehicle Loan Rates

Term APR
New/Used Cars, 2021 and newer models, Up to 63 months As low as 7.24%
New/Used Cars, 2021 and newer models, 64 to 75 months As low as 7.74%
New/Used Cars, 2021 and newer models, 76 to 84 months* As low as 9.64%
Used Cars, 2018 through 2020 models, Up to 63 months As low as 8.14%
Used Cars, 2018 through 2020 models, 64 to 75 months As low as 8.54%
Used Cars, 2018 through 2020 models, 76 to 84 months* As low as 10.39%
Used Cars, 2017 and older models, Up to 63 months As low as 8.49%
Used Cars, 2014 through 2017, 64 to 75 months** As low as 8.89%

APR = Annual Percentage Rate. 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. View complete disclosures.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2014-2017 only.

Secured Personal Loans

Collateral APR
Savings Secured 3.00% Over Savings Rate
Certificate Secured 3.00% Over Certificate Rate
New/Used Cars, 2021 and newer models, Up to 63 months As low as 8.24%
New/Used Cars, 2021 and newer models, 64 to 75 months As low as 8.74%
New/Used Cars, 2021 and newer models, 76 to 84 months* As low as 10.64%
Used Cars, 2018 through 2020 models, Up to 63 months As low as 9.14%
Used Cars, 2018 through 2020 models, 64 to 75 months As low as 9.54%
Used Cars, 2018 through 2020 models, 76 to 84 months* As low as 11.39%
Used Cars, 2017 and older models, Up to 63 months As low as 9.49%
Used Cars, 2014 through 2017, 64 to 75 months** As low as 9.89%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2014-2017 only

Unsecured Personal Loans

Term APR
Signature Loans Up to 24 months As low as 11.50%
Signature Loans Up to 60 months As low as 12.50%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Hardship Emergency Loan Program (HELP)

Term APR
30 days to 6 months 18.00%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Anytime Line of Credit (ALOC)

Loan Amount APR
$500 - $50,000 As low as 12.50%

APR = Annual Percentage Rate. 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. View complete disclosures.

Fixed Boat Loans

Term APR
New/Used Fixed $75,000 and Above, Up to 180 Months As low as 9.79%
New/Used Fixed $25,000 to $74,999.99, Up to 180 Months As low as 9.59%
New/Used Fixed $24,999.99 and Below, Up to 84 Months As low as 8.59%

APR = Annual Percentage Rate. 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. View complete disclosures.

Fixed RV Loans

Term APR
New/Used Fixed $75,000 and Above, Up to 180 Months As low as 10.49%
New/Used Fixed $25,000 to $74,999.99, Up to 180 Months As low as 9.99%
New/Used Fixed $24,999.99 and Below, Up to 84 Months As low as 8.99%

APR = Annual Percentage Rate. 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. View complete disclosures.

Motorcycle Loans

Term APR
New/Used Motorcycles, 2021 and newer models, Up to 36 months As low as 7.49%
New/Used Motorcycles, 2021 and newer models, 37 to 48 months As low as 7.74%
New/Used Motorcycles, 2021 and newer models, 49 to 60 months As low as 7.99%
Used Motorcycles, 2020 and older models, Up to 36 months As low as 8.49%
Used Motorcycles, 2020 and older models, 37 to 48 months As low as 8.74%
Used Motorcycles, 2020 and older models, 49 to 60 months As low as 8.99%

APR = Annual Percentage Rate. 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. View complete disclosures.

Credit card

Card APR
Visa Signature® As low as 15.99%
Platinum As low as 13.99%
Gold As low as 13.99%
The Classic As low as 12.49%
Classic Secured As low as 18.00%
Business As low as 14.99%

APR = Annual Percentage Rate. Rates are subject to change quarterly. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

Overdraft Line of Credit

Annual Percentage Rate
17.00%

APR = Annual Percentage Rate. Rates are subject to change daily. Please call: 513.243.4328 or 800.542.7093 for the most current rates. View complete disclosures.

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

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