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All GFCU Branches, drive-thrus and offices will be closed on Memorial Day, Monday, May 26. See all special hours and closures.
Investment Account Viewing and Management through Online/Mobile Banking will be temporarily unavailable beginning Saturday, May 17. Details.
The Potranco and St. Mary's Branches will be closed on Saturday, May 31. See More.

Vehicle Rates

Auto Rates

Terms
2024 + Newer Models
APR (As low as)*
Used 2015-2023 Year Models
APR (As low as)*
36 Months
5.15%
5.15%
60 Months
5.95%
5.95%
72 Months
6.00%
6.00%
84 Months
6.65%
6.65%

*APR is Annual Percentage Rate. Rates listed include a discount of 0.25%, which may be applied to new and used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 02/04/2025. Payment Example: For a $15,000 loan for a term of 36 months with a 5.15% APR, the monthly payment will be $450.59.

84 months available for $30,000 or greater
72 months available for $20,000 or greater
60 months available for $10,000 or greater
48 months available for $5,000 or greater

Motorcycle Rates

Terms
2024 + Newer Models
APR (As low as)*
Used 2015-2023 Year Models
APR (As low as)*
60 Months
6.64%
6.64%
72 Months
7.14%
7.14%

*APR is Annual Percentage Rate. Rates listed include a discount of 0.25%, which may be applied to a new Motorcycle Loan that is enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 02/04/20255. Payment Example: For a $15,000 loan for a term of 60 months with a 6.64% APR, the monthly payment will be $294.48.

Recreational Vehicle Rates for 2024 and Newer Year Models

Terms
2024 + Newer Models
APR (As low as)*
Up to 60 Months
6.64%
61 to 84 Months
7.14%
85 to 120 Months
8.00%

*APR is Annual Percentage Rate. Rates listed include a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 02/04/2025. Payment Example: For a $20,000 loan for a term of 60 months with a 6.64% APR, the monthly payment will be $392.64.

Used Recreational Vehicle Rates for 2015-2023 Year Models

Terms
2015 to 2023 Year Models
APR (As low as)*
37 to 60 Months
6.64%
61 to 84 Months
7.14%

*APR is Annual Percentage Rate. Rates listed reflect a discount of 0.25%, which may be applied to a new Boat or Recreational Vehicle Loan that is enrolled in automatic payments from a MyAdvantage Checking account at the time of closing. Effective as of 02/04/2025. Payment Example: For a $20,000 loan for a term of 60 months with a 6.64% APR, the monthly payment will be $392.64.

72 months available for $25,000 or greater
84 months available for $30,000 or greater
96 to 120 months available for $50,000 or greater

ATV & Jet Ski Rates for 2024 and Newer Year Models

Terms
2024 + Newer Models
APR (As low as)*
Up to 60 Months
6.64%

*APR is Annual Percentage Rate. Rate listed includes a discount of 0.25%, which may be applied to a new ATV or Jet Ski Loan that is enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 02/04/2025. Payment Example: For a $15,000 loan for a term of 60 months with a 6.64% APR, the monthly payment will be $294.48.

Used ATV & Jet Ski Rates for 2015-2023 Year Models

Terms
2015 to 2023 Year Models
APR (As low as)*
Up to 36 Months
6.64%

*APR is Annual Percentage Rate. Rate listed includes a discount of 0.25%, which may be applied to a new ATV or Jet Ski Loan that is enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 02/04/2025. Payment Example: For a $15,000 loan for a term of 36 months with a 6.64% APR, the monthly payment will be $460.69.

*All loans subject to approval. Rates are subject to change without notice. Rates and terms may vary based on creditworthiness. A fee of $75 will be assessed for any refinance of an existing GFCU loan. This fee applies to both secured and unsecured loans.