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