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:

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

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Vehicle Loans* - Automobiles, Trucks and Street Motorcycles
New & Used	Term	APR as low as**
2015 - 2025	Up to 72 months	5.99%
2015 - 2025	Up to 84 months	6.24%

Vehicle Loans* - Automobiles, Trucks and Street Motorcycles
Used	Term	APR as low as **
2014 and Older	Up to 48 Months	11.74%

Boat, Motor Home, or Camper Loans (Street Legal or Titled)*
Amount	Term	APR as low as**
$500 and up	Up to 180 Months	6.49%

Recreational Vehicle Loans (Non-Titled)* - Small Watercraft, Snowmobiles, Pop-up Campers, Off Road Motorcycles, ATVs
Term	APR as low as**
Up to 120 Months	7.49%

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%

Home Equity Loans
Type	Term	APR as low as**
Prime Equity LOC	180 Months	8.00% (Adjusted Quarterly)
Fixed Rate 1st Lien***	Up to 180 Months	Rates Announced Weekly
Fixed Rate 2nd Lien***	Up to 180 Months	6.49%

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	9.49%
New Mobile Home*	120 Months	11.74%
Used Mobile Home*	84 Months	13.49%

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Platinum Preferred Credit Card
Type	APR as low as****
Platinum Preferred	9.99%

Personal Loans
Type	Term	APR as low as**
Signature Unsecured*	Up to 84 Months	10.99%
Personal Secured	Up to 84 Months	10.74%

Personal Loans
Revolving Credit	Term	APR as low as**
Share Draft Protection - Unsecured	$500.00 Minimum Limit	13.50%

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* 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
****Annual Percentage Rate based on credit history. Subject to change without notice.