Loan Rates

Loyal Member Discounts

Use Gerber Federal Credit Union products and services and lower your loan rates by up to .75%! Loyal Member Discounts* give you 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***, FREE Online Bill Pay, e-Statements with Web Teller, Share & IRA Certificates, Direct Deposit, Automatic loan payment transfer, Debit MasterCard, Platinum Preferred 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, 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

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Vehicle Loans*
Automobiles, Trucks and Street Motorcycles
New Term APR as low as**
2017 - 2018 Up to 84 months 2.24%
Used Term APR as low as**
2008 - 2017 Up to 84 months 2.24%
2007 and Older Up to 48 Months 8.24%
Log in to Web Teller to Apply Now!
Boat, Motor Home, or Camper Loans (Street Legal or Titled)*
New (2017 - 2018) Term APR as low as**
$1,000 and up Up to 180 Months 2.99%
Used (2017 and older) Term APR as low as**
$1,000 and up Up to 180 Months 3.99%
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**
Less than $4,999 36 Months 8.75%
$5,000 to $9,999 60 Months 8.75%
$10,000 and up 84 Months 8.75%
$15,000 and above 120 Months 8.75%
Used Term APR as low as**
Less than $4,999 36 Months 10.25%
$5,000 to $9,999 60 Months 10.25%
$10,000 and $14,999 84 Months 10.25%
$15,000 and above 120 Months 10.25%
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 11.25%
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Home Equity Loans
Type Term APR as low as**
Prime Equity LOC 180 Months 4.25% (Adjusted Quarterly)
Fixed Rate 1st Lien*** Up to 180 Months Rates Announced Weekly
Fixed Rate 2nd Lien*** Up to 60 Months 4.49%
  Up to 120 Months 4.74%
  Up to 180 Months 4.99%
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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 7.500%
New Mobile Home* 120 Months 10.25%
Used Mobile Home* 84 Months 12.25%
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Platinum Preferred Credit Card
Type Term APR as low as**
Platinum Preferred   8.99%
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Personal Loans
Signature Unsecured* Term APR as low as**
Signature Unsecured 12 Months 9.24%
Signature Unsecured 24 Months 11.24%
Signature Unsecured 25 Months and Over 13.25%
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