When we say we have your interest at heart, we mean it! You can count on GenFed for competitive low interest rates on all types of loans.

Think you found a better rate? Ask about our Flex Rate program where we’ll attempt to match your best confirmed offer!

Vehicle Secured Loan Rates

For new vehicles, motorcycles, RVs, boats, campers, ATVs

TermAPR as low as
2 years2.99% - Auto
3.99% - RV/Motorcycle/Boat/Camper/ATV
3 years2.99% - Auto
3.99% - RV/Motorcycle/Boat/Camper/ATV
4 years2.99% - Auto
399% - RV/Motorcycle/Boat/Camper/ATV
5 or 5 1/2 years2.99% - Auto
3.99% - RV/Motorcycle/Boat/Camper/ATV
6 years3.49% - Auto
4.99% - RV/Motorcycle/Boat/Camper
7 years4.49% - Auto
5.99% - RV/Boat/Camper

For used vehicles, motorcycles, RVs, boats, campers, ATVs

TermAPR as low as
2 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
3 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
4 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
5 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
6 years5.49% - RV/Boat/Camper Only
7 years6.49% - RV/Boat/Camper Only

For new tractors, mowers

TermAPR as low as
2 years4.49%
3 years4.49%
4 years4.49%
5 years4.49%

For used tractors, mowers

TermAPR as low as
2 years5.49%
3 years5.49%

Credit Card Rates

TypeAPR as low as
Platinum MasterCard12.50%
Rewards MasterCard14.50%
Credit Builder MasterCard16.50%
Clean Start MasterCard18.00%

See disclosures.

Personal Loan Rates


Please contact one of our Loan Officers for current rates.

Signature Loan

TermAPR as low as
9 Month Fixed5.74%
1 Year Fixed5.99%
3 Year Fixed10.83%

Secured Loan

TypeAPR as low as
Savings Secured (Variable)3.10%
Certificate Secured (Fixed)Certificate rate + 2.00%

Personal Line of Credit

TypeAPR as low as
Personal Line of Credit10.83%

Home Equity Rates

Please contact us for rates on longer terms.

Home Equity Line of Credit

TypeAPR as low as
Home Equity Line of Credit (Variable)5.25%

2nd Mortgage Home Equity Loan

TypeAPR as low as
5 Year Home Equity Loan (Fixed)5.99%
10 Year Home Equity Loan (Fixed)6.24%

1st Mortgage Refinance/Equity Loan Rates

TypeAPR as low as
5 Year Mortgage (Fixed)3.49%
10 Year Mortgage (Fixed)3.74%
15 Year Mortgage (Fixed)3.99%
20 Year Mortgage (Fixed)4.24%
30 Year Mortgage (Fixed)4.74%
3/3 ARM (Variable)4.375%
Balloon Mortgage (Fixed)4.00%

Student Loan Rates

Please click here for current rates.

All Loans: APR stands for Annual Percentage Rate. Rates are accurate as of 5/1/2019 and subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Call your branch to determine which discounts apply to you.

Vehicle loans: 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. Hybrid discount of 0.25% off of your auto loan rate available and is as defined by http://www.fueleconomy.gov.

Savings and Certificate Secured loans- Rates and programs apply to new money only. 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.

Home equity: Refinance of existing GenFed loans subject to applicable fees and conditions. Variable rate HELOC with a 3.00% 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.