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Loan Rates

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Loan Rates

Loan Rates

New Vehicles, Motorcycles, RVs, Boats, Campers, ATVs
Loan TypeTermAPR as low as
Auto Loan 2 - 5 Years 2.99%
  5 1/2 Years 3.24%
  6 Years 3.74%
  7 Years 4.99%
RV/Boat/Camper 2 - 5 Years 3.99%
  5 1/2 Years 4.24%
  6 Years 4.99%
7 Years 5.99%
Motorcycle 2 - 5 Years 4.49%
  5 1/2 Years 4.74%
  6 Years 5.49%

APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

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.

Used Vehicles, Motorcycles, RVs, Boats, Campers, ATVs
TypeTermAPR as low as
Auto Loan 2 - 5 Years 3.49%
  5 1/2 Years 3.74%
  6 Years 4.24%
RV/Boat/Camper 2 - 5 Years 4.49%
  5 1/2 Years 5.49%
  6 Years 5.49%
7 Years 6.49%
Motorcycle 2 - 5 Years 4.99%

APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

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.

New Tractors, Mowers
TermAPR as low as
2 Years 4.49%
3 Years 4.49%
4 Years 4.49%
5 Years 4.49%
APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

Used Tractors, Mowers
TermAPR as low as
2 Years 5.49%
3 Years 5.49%
APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

Credit Card Rates
TypeAPR as low as
Platinum MasterCard 10.25%
Rewards MasterCard 12.25%
Credit Builder MasterCard 14.25%
Clean Start MasterCard 18.00%

See Disclosures

APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

QuickLoan
Rates
Please contact one of our Loan Officers for current rates.

Signature Loan
TermAPR as low as
9 Month Fixed 6.74%
1 Year Fixed 5.99%
3 Year Fixed 10.83%
APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

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

APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

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.

Personal Line of Credit
TypeAPR as low as
36 Months 10.83%
APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

Home Equity Rates
TypeAPR as low as
Home Equity Line of Credit (Variable) 3.00%
2nd Mortgage Home Equity Loan
5 Year Home Equity Loan (Fixed) 5.74%
10 Year Home Equity Loan (Fixed) 5.99%

Please contact us for rates on longer terms.

APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

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.

1st Mortgage Refinance/Equity Loan Rates
TypeAPR as low as
5 Year Mortgage (Fixed) 2.74%
10 Year Mortgage (Fixed) 2.99%
15 Year Mortgage (Fixed) 3.24%
20 Year Mortgage (Fixed) 3.49%
30 Year Mortgage (Fixed) 3.99%
3/3 ARM (Variable) 3.25%
Balloon Mortgage (Fixed) 3.75%
APR stands for Annual Percentage Rate. Rates are accurate as of 10/1/2020 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.

Student Loan Rates

Please click here for current rates.