Loan Rates
Loyal Member Discounts
Lower your loan rate by up to .75%* when you choose more Gerber FCU products and services! Get a .125%* loan rate discount for each of the following products or services you use with Gerber FCU:
-
Share Draft Account
-
Super Savings
-
Mortgage/Home Equity**
-
Bill Pay
-
e-Statements with Web Teller
-
Share & IRA Certificates
-
Direct Deposit
-
Automatic Loan Payment Transfer
-
Debit MasterCard
-
Credit MasterCard
Ask a Member Service Representative today for more information on Loyal Member Discounts!
*Loyal Member Discounts will not apply to First Mortgage, Platinum Preferred Credit MasterCard, HELOC, Indirect Loan or open ended Consumer Loan products. Maximum total reduction of .75% on loan requests.
** Maximum discounts on Fixed Home Equity Loans: .75% maximum discount for loans 60 months or less. .50% maximum discount for loans 61 to 120 months. .25% maximum discount for loans 121 months and greater.
Loan Rates
Click Here for our Auto Buying Resource!
Vehicle Loans*
|
Automobiles, Trucks and Street Motorcycles |
|
New & Used |
Term |
APR as low as** |
|
2009 - 2019 |
Up to 84 months |
3.24% |
|
Used |
Term |
APR as low as** |
|
2008 and Older |
Up to 48 Months |
8.74% |
|
Log in to Web Teller to Apply Now! |
Boat, Motor Home, or Camper Loans (Street Legal or Titled)*
|
New (2018 - 2019) |
Term |
APR as low as** |
|
$500 and up |
Up to 180 Months |
3.74% |
|
Used (2018 and older) |
Term |
APR as low as** |
|
$500 and up |
Up to 180 Months |
4.49% |
|
Log in to Web Teller to Apply Now! |
Recreational Vehicle Loans (Non-Titled)*
|
Watercraft, Snowmobiles, Pop-up campers, Off Road Motorcycles, ATVs |
|
New |
Term |
APR as low as** |
|
|
Up to 120 Months |
9.00% |
|
Used |
Term |
APR as low as** |
|
|
Up to 120 Months |
10.50% |
|
Log in to Web Teller to Apply Now! |
Shared Secured Loans*
|
Type |
Term |
APR as low as** |
|
Regular Share Secured |
84 Months |
Reg. Share Rate +3.00% |
|
Super Savings Secured |
84 Months |
Super Savings Rate +3.00% |
|
Certificate Secured |
Term of Certificate |
Certificate Rate +3.00% |
|
Personal Secured |
60 Months |
11.50% |
|
Log in to Web Teller to Apply Now! |
Home Equity Loans
|
Type |
Term |
APR as low as** |
|
Prime Equity LOC |
180 Months |
5.25% (Adjusted Quarterly) |
|
Fixed Rate 1st Lien*** |
Up to 180 Months |
Rates Announced Weekly |
|
Fixed Rate 2nd Lien*** |
Up to 180 Months |
4.74% |
|
Log in to Web Teller to Apply Now! |
Mortgage Loans
|
Type |
Term |
APR as low as** |
|
Mortgage |
10, 15, 20 & 30 Year
(Ask about other mortgage products
& services available) |
Rates Announced Daily |
|
Construction - Mortgage (LOC) |
12 Months |
Rates Announced Daily |
|
Vacant Land*** |
Up to 144 Months |
7.74% |
|
New Mobile Home* |
120 Months |
10.50% |
|
Used Mobile Home* |
84 Months |
12.50% |
|
View Mortgage Rates & Apply Now! |
Platinum Preferred Credit Card
|
Type |
Term |
APR as low as** |
|
Platinum Preferred |
|
8.99% |
|
Log in to Web Teller to Apply Now! |
Personal Loans
|
Signature Unsecured* |
Term |
APR as low as** |
|
Signature Unsecured |
12 Months |
10.24% |
|
Signature Unsecured |
24 Months |
12.24% |
|
Signature Unsecured |
25 Months and Over |
14.25% |
|
Revolving Credit |
Term |
APR as low as** |
|
Share Draft Protection - Unsecured |
$500.00 Minimum Limit |
12.00% |
|
Log in to Web Teller to Apply Now! |
* Borrowers may be eligible for a .125 to .75 rate reduction based on Loyal Member Discounts and loan type and term.
** Annual Percentage Rate after Loyal Member Discounts maximum rate reduction of .75%. Rates quoted are based on individual member credit history and are set during loan processing. Rates subject to change without notice.
*** Loyal Member Discounts for Fixed Home Equity and Vacant Land loans are limited to:
60 Month term - .75% maximum
61 to 120 months - .50% maximum
121 to 180 months - .25% maximum