GenFed Mobile Site Home

Loan Rates

Credit Cards
Effective Date: 7/1/2014
TypeAPR as low as
MasterCard 9.96%
Rewards MasterCard 11.96%

Rates are accurate as of 7/1/2014 and subject to change at any time.

Vehicle Loan Rates
Effective Date: 7/1/2014
TermAPR as low as
2 Year 2.24%
3 Year 2.24%
4 Year 2.24%
5 Year 2.24%
6 Year 2.74%

Rates are accurate as of 7/1/2014 and subject to change at any time. All loans subject to approval and terms.  Vehicle loan terms may be limited and rate may change based on age of vehicle. Refinance of existing GenFed vehicle or Real Estate loans subject to a fee and other criteria.  Other rates and programs apply to new money only. Rates include all possible discounts.  Call your branch to determine which discounts apply to you. *Hybrid’ as defined by http://www.fueleconomy.gov.   APR = annual percentage rate.

Personal Loan Rates
Effective Date: 7/1/2014
TermAPR as low as
9 Month Fixed 7.50%
1 Year Fixed 5.74%
2 Year Fixed 10.40%
Savings-Secured Loan Variable 3.10%
Certificate-Secured Loan Fixed **certificate rate plus 2% APR

Rates are accurate as of 7/1/2014 and subject to change at any time. All loans subject to approval and terms. Refinance of existing GenFed vehicle or Real Estate loans subject to a fee and other criteria. Other rates and programs apply to new money only. Rates include all possible discounts. Call your branch to determine which discounts apply to you. APR = annual percentage rate. Annual Percentage Rate (APR) for share secured advances will be adjusted quarterly to three percentage points above share dividend rate which was paid at the end of the previous quarter. The Annual Percentage Rate can change quarterly on the 10th day of the month, January, April, July and October. The interest rate will never be less than 3.00% per year and the maximum rate will not exceed 18.00%. When the rate changes, the payment may be adjusted.

Mortgage Home Equity Loans
Effective Date: 7/1/2014
TermRateAPR as low as
Line of Credit Variable Rate 4.00%
5 Year, 1st Mort. Fixed Rate 3.49%
5 Year, 2nd Mort. Fixed rate 5.50%
15 Year, 1st Mort. Fixed Rate 3.49%
10 Year, 2nd Mort. Fixed Rate 5.50%
3/3 ARM Variable Rate 3.25%
Balloon Fixed Rates 3.50%

Rates are accurate as of 7/1/2014 and subject to change at any time. Refinance of existing GenFed loans subject to applicable fees and conditions. All loans subject to approval, credit analysis and terms. Variable rate HELOC with a 4.00% APR minimum rate (floor). Rate tied to the Prime Rate as published in the Wall Street Journal. The rate will only rise if Prime rises and will not exceed 18.00% APR, even if Prime rises above that. HELOC holders are notified quarterly of rate and payment changes. ARM rate adjustment at each 36th month increment. Rates include all possible discounts. Call your branch to determine which discounts apply to you. APR = annual percentage rate.