Loans

If you need a loan on wheels, our competitive auto loan rates and quick approvals will get you on the road fast. Whether you need a loan for a new or used car or truck, call or stop by the credit union first to get pre-approved. We offer a variety of terms to keep your payment low.

Plus, we offer free AutoCheck® — just give us the VIN on any vehicle you’re interested in, and we’ll pull the history for you! Learn if a vehicle has been reported in an accident, branded a lemon, damaged in a flood, reported repossessed or stolen, and more.

REFINANCED AUTO LOANS

Already bought a new car but didn’t take advantage of our great rates and flexible terms? No worries! Refinance with us today. We may be able to save you hundreds, or even thousands of dollars in interest. Some restrictions and exclusions apply.

Also, ask about our Guaranteed Auto Protection (GAP) insurance, Auto Deductible Reimbursement, and Vehicle Service Contracts.

We finance all kinds of motor vehicles: 2 wheels, 4 wheels, no wheels – whatever your heart desires. We have competitive rates and terms for:

• Campers

• Motor Homes

• Motorcycles

• ATVs

• Boats

• Farm Tractors

• Lawn Tractors/Riding Mowers

HOME EQUITY LINE OF CREDIT
Looking to remodel? Want to use the equity in your home to consolidate debt? Let the equity in your home work for you! With our 15-Year Home Equity Line of Credit (HELOC), enjoy a low variable rate (based on published Prime Rate with 4% floor), no fees, and access to funds for up to 5-years.

MORTGAGES
Through our partner Credit Union Financial Services (CUFS), you can get a first mortgage loan or cash-out refinance at a competitive rate and terms from 10 to 30 years. Closing costs are kept to a minimum to save you money. For information or to apply for a mortgage, please contact one of our loan officers, or visit the CUFS website.

CONSTRUCTION LOANS
Looking for a house and just can’t find what you really want or need? Want to build your dream house? A construction loan through our partner Credit Union Financial Services (CUFS) could be the answer. You’ll enjoy a fixed interest rate through construction, streamlined builder approval requirements, and in-house underwriting by CUFS. For information or to apply, please contact one of our loan officers, or visit the CUFS website.

LAND LOANS
Have your eye on that perfect piece of land but not ready to build just yet? Looking for your own hunting property? We can help make it a reality. Borrow up to $200,000 at a low variable rate (based on published Prime Rate with 4% floor) with a quick and easy approval and closing process.

The credit union has partnered with Sallie Mae© to offer the Smart Option Student Loan. For more information or to apply, please visit the Sallie Mae website.

At GP Federal Credit Union, we offer a wide variety of loan products. With a personal loan, you can borrow the funds you need for unexpected medical bills, a family vacation, home or auto repairs — pretty much anything you need — with approved credit and just your signature. Rates and terms vary - exclusions apply.

We also offer Credit-Builder and Payday Alternative Loans (PALs).

• Great for establishing new credit, or repairing damaged credit, our Credit-Builder Loan is a small fixed-rate personal loan where the funds are deposited into a savings account. As you make each on-time payment, funds equal to the principal portion of your payment become available to use however you’d like, all while improving your credit rating. Or, leave the funds in the savings account to earn dividends.

• Find yourself short of funds before payday? Don’t use a title pawn broker or a payday loan place! Not only are their rates ridiculously high, but they thrive on repeat business. Break the cycle with a PAL from GP Federal Credit Union. Borrow as little as $200 and choose the payment term that works best for you, from 90 days up to 12 months. Already have a title pawn or payday loan elsewhere, speak with us today to see if we can get you out of that high-interest loan and into a lower rate PAL!

Compare our low fixed-rate VISA® to the other credit cards you carry - we think you'll find that ours offers substantial savings. Our card offers the following benefits:

• Low APR on purchases and cash advances

• No annual fee

• A 25-day grace period on purchases, which allows you to pay off your balance without any finance charges

• Low transaction fee on cash advances (interest accrues from the day of the advance)

• Transfer balances from higher rate cards at other financial institutions with no balance transfer fee