Current Rates for Auto Loans, Personal Loans, Credit Cards, and More
GTFCU offers competitive loan rates with local service and personal support. Whether you are financing a vehicle, covering a personal expense, or borrowing against eligible savings, our team can help you understand your options.
Auto Loan Rates
Finance your next new or used car, truck, or SUV with competitive rates and local service from GTFCU.
| Loan Type | Term | APR* |
|---|---|---|
| New Auto | Up to 36 months | 3.00% |
| New & Used Auto | Up to 48 months | 4.50% |
| New & Used Auto | Up to 60 months | 4.75% |
| New & Used Auto | Up to 72 months | 5.25% |
| New & Used Auto | Up to 84 months | 6.00% |
| Older Used Auto, 10+ years | Up to 48 months | 6.00% |
Recreational Vehicle Loan Rates
| Loan Type | Term | APR* |
|---|---|---|
| New & Used Recreational Vehicles | Up to 60 months | 5.50% |
| New & Used Recreational Vehicles | Up to 72 months | 6.00% |
| New & Used Recreational Vehicles | Up to 120 months | 7.00% |
Personal Loan Rates
| Loan Type | Term | APR* |
|---|---|---|
| Signature Loan | Up to 12 months | 8.50% |
| Signature Loan | Up to 60 months | 12.00% |
| Signature Loan | Up to 84 months | 12.00% |
Real Estate & Home Equity Loan Rates
| Loan Type | Available Terms | Rate |
|---|---|---|
| Unimproved Property | Up to 180 months | Contact GTFCU for current rates |
| Home Equity | Up to 360 months; 1st lien only for 360-month term | Contact GTFCU for current rates |
Real estate and home equity loan rates may vary based on collateral, lien position, loan-to-value, creditworthiness, term, and other underwriting factors.
Secured Loan Rates
| Loan Type | Term | APR* |
|---|---|---|
| Share Secured | Up to 48 months | 2.50% |
| Share Secured | Up to 60 months | 2.75% |
| Share Secured | Up to 120 months | 3.00% |
| Loan Type | Term | APR* |
|---|---|---|
| Certificate Secured | Up to 48 months | 2.00% + Certificate Rate |
| Certificate Secured | Up to 60 months | 2.50% + Certificate Rate |
| Certificate Secured | Up to 120 months | 3.00% + Certificate Rate |
Secured loan rates are based on eligible GTFCU deposit accounts or certificates pledged as collateral.
Credit Card Rates
| Card Type | APR* |
|---|---|
| Mastercard® Classic | 9.90% |
| Mastercard® Gold | 8.90% |
Credit card rates, fees, and terms are subject to credit approval and applicable card disclosures.
Important Loan Rate Information
APR means Annual Percentage Rate. Rates shown are “as low as” and are based on creditworthiness, term, collateral, loan amount, and other underwriting factors. Your actual rate may be higher. Rates are subject to change at any time and are not guaranteed. Additional terms, conditions, restrictions, and fees may apply.
Promotional rates may be available. Contact GTFCU to verify current rates, terms, eligibility, and payment information.
Ready to Get Started?
Our loan team can help you review your options and apply.