A lending rate, also known as a loan interest rate, is the amount you are charged by a lender in exchange for access to the loan. Review our loan options below and secure the best housing loan, auto loan, credit card, and more.
| Product | Rate | APR |
|---|---|---|
| 30-Year Fixed | 4.000% | 4.062% |
| 15-Year Fixed | 3.375% | 3.484% |
| 3/1 ARM | For current rates, contact us during business hours. | - |
| 5/1 ARM | For current rates, contact us during business hours. | - |
| 7/1 ARM | For current rates, contact us during business hours. | - |
| 10/1 ARM | For current rates, contact us during business hours. | - |
Effective 2.10.2022
As low as rates assume the following: 80% loan-to-value (LTV), credit score of 740, and loan amount of $200,000.00. The monthly payment of principal and interest (P&I) for a 30-Year Fixed is $954.83. The monthly payment of P&I for a 15-Year Fixed is $1,417.52. If an Escrow account is required/requested, monthly payments will increase to include real estate taxes and homeowner’s insurance premiums. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates and full details.
Click here for complete disclosures to GECU's First Mortgage Loans.
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 2.49%* |
| $50,000 and Over | 2.49%** |
Effective 8.13.2021
*As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.00%.
**As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.25%.
The monthly payment of principal and interest (P&I) for a loan amount of $50,000.00 is $471.12.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Home Equity Lines of Credit.
| Term | Rate | APR |
|---|---|---|
| Up to 60 months | 4.875% | 4.876% |
| 61 to 120 months | 5.125% | 5.125% |
| 121 to 180 months | 5.625% | 5.625% |
Effective 8.13.2021
As low as rates assume the following: 2nd loan lien position, 80% combined loan-to-value (CLTV), credit score of 740, and loan amount of $50,000.00. The monthly payment of principal and interest (P&I) for a 5-Year Fixed is $940.70. The monthly payment of P&I for a 10-Year Fixed is $533.39. The monthly payment of P&I for a 15-Year Fixed is $411.87. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Fixed Home Equity Loans.
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 2.49%* |
| $50,000 and Over | 2.49%** |
Effective 8.13.2021
*As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.00%.
**As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.25%.
The monthly payment of principal and interest (P&I) for a loan amount of $50,000.00 is $471.12.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Equity Rich Line of Credit.
| Term | Rate | APR |
|---|---|---|
| 10 - Year Fixed | 2.750% | 2.989% |
| 15 - Year Fixed | 3.375% | 3.542% |
Effective 2.10.22
As low as rates assume the following: 1st loan lien position, 80% combined loan-to-value (CLTV), credit score of 740, and loan amount of $50,000.00. The monthly payment of principal and interest (P&I) for a 10-Year Fixed is $477.06. The monthly payment of P&I for a 15-Year Fixed is $354.38. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Fixed Equity Rich Loans.
| Term | APR |
|---|---|
| New/Used Cars, 2019 and newer models, Up to 63 months | As low as 2.74% |
| New/Used Cars, 2019 and newer models, 64 to 75 months | As low as 3.24% |
| New/Used Cars, 2019 and newer models, 76 to 84 months* | As low as 4.24% |
| Used Cars, 2016 through 2018 models, Up to 63 months | As low as 3.49% |
| Used Cars, 2016 through 2018 models, 64 to 75 months | As low as 4.24% |
| Used Cars, 2016 through 2018 models, 76 to 84 months* | As low as 5.24% |
| Used Cars, 2015 and older models, Up to 63 months | As low as 4.64% |
| Used Cars, 2012 through 2015, 64 to 75 months** | As low as 5.64% |
Effective 1.24.22
APR will vary if the loan is signed at a partner dealer location.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2012-2015 only.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Vehicle Loans.
| Collateral | APR |
|---|---|
| Savings Secured | 3.00% Over Savings Rate |
| Certificate Secured | 3.00% Over Certificate Rate |
| New/Used Cars, 2019 and newer models, Up to 63 months | As low as 3.74% |
| New/Used Cars, 2019 and newer models, 64 to 75 months | As low as 4.24% |
| New/Used Cars, 2019 and newer models, 76 to 84 months* | As low as 5.24% |
| Used Cars, 2016 through 2018 models, Up to 63 months | As low as 4.49% |
| Used Cars, 2016 through 2018 models, 64 to 75 months | As low as 5.24% |
| Used Cars, 2016 through 2018 models, 76 to 84 months* | As low as 6.24% |
| Used Cars, 2015 and older models, Up to 63 months | As low as 5.64% |
| Used Cars, 2012 through 2015, 64 to 75 months** | As low as 6.64% |
Effective 1.24.22
*Minimum loan amount is $18,000.
**Minimum loan among is $10,000. Model years 2012-2015 only
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Secured Personal Loans.
| Term | APR |
|---|---|
| Signature Loans Up to 24 months | As low as 6.25% |
| Signature Loans Up to 60 months | As low as 7.25% |
Effective 3.17.2019
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Unsecured Personal Loans.
| Term | APR |
|---|---|
| 30 days to 6 months | 18.00% |
Effective 6.8.2021
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's HELP Loan.
| Loan Amount | APR |
|---|---|
| $500 - $50,000 | As low as 7.25% |
Effective 3.17.2019
Program minimum rate is 6% and maximum rate is 18%. The rate is variable and adjusts with the Prime Rate. Credit will be reviewed annually and ALOC applied credit tier will adjust according to the credit score at the time of review.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures for GECU's Anytime Line of Credit.
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above, Up to 180 Months | As low as 7.49% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 6.24% |
| New/Used Fixed $10,000 to $24,999.99, Up to 84 Months | As low as 6.24% |
| New/Used Fixed $9,999.99 and Below, Up to 72 Months | As low as 6.24% |
Effective 9.15.2020
Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Fixed Marine Loans.
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above, Up to 180 Months | As low as 8.74% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 7.49% |
| New/Used Fixed $10,000 to $24,999.99, Up to 84 Months | As low as 7.49% |
| New/Used Fixed $9,999.99 and Below, Up to 72 Months | As low as 7.49% |
Effective 9.19.2018
Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Fixed RV Loans.
| Term | APR |
|---|---|
| New/Used Motorcycles, 2019 and newer models, Up to 36 months | As low as 5.74% |
| New/Used Motorcycles, 2019 and newer models, 37 to 48 months | As low as 6.24% |
| New/Used Motorcycles, 2019 and newer models, 49 to 60 months | As low as 6.74% |
| Used Motorcycles, 2018 and older models, Up to 36 months | As low as 6.74% |
| Used Motorcycles, 2018 and older models, 37 to 48 months | As low as 7.24% |
| Used Motorcycles, 2018 and older models, 49 to 60 months | As low as 7.74% |
Effective 1.1.2022
Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates
Click here for complete disclosures to GECU's Motorcycle Loans.
| Card | APR |
|---|---|
| Visa Signature® | As low as 10.74% |
| Platinum | As low as 8.74% |
| Gold | As low as 8.74% |
| The Classic | As low as 7.24% |
| Classic Secured | As low as 13.49% |
| Business | As low as 9.74% |
Effective 4.1.2020
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
| Annual Percentage Rate |
|---|
| 17.00% |
Effective 9.19.2007
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Overdraft Protection.
| Product | Rate | APR |
|---|---|---|
| 30-Year Fixed | 4.000% | 4.062% |
| 15-Year Fixed | 3.375% | 3.484% |
| 3/1 ARM | For current rates, contact us during business hours. | - |
| 5/1 ARM | For current rates, contact us during business hours. | - |
| 7/1 ARM | For current rates, contact us during business hours. | - |
| 10/1 ARM | For current rates, contact us during business hours. | - |
Effective 2.10.2022
As low as rates assume the following: 80% loan-to-value (LTV), credit score of 740, and loan amount of $200,000.00. The monthly payment of principal and interest (P&I) for a 30-Year Fixed is $954.83. The monthly payment of P&I for a 15-Year Fixed is $1,417.52. If an Escrow account is required/requested, monthly payments will increase to include real estate taxes and homeowner’s insurance premiums. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates and full details.
Click here for complete disclosures to GECU's First Mortgage Loans.
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 2.49%* |
| $50,000 and Over | 2.49%** |
Effective 8.13.2021
*As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.00%.
**As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.25%.
The monthly payment of principal and interest (P&I) for a loan amount of $50,000.00 is $471.12.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Home Equity Lines of Credit.
| Term | Rate | APR |
|---|---|---|
| Up to 60 months | 4.875% | 4.876% |
| 61 to 120 months | 5.125% | 5.125% |
| 121 to 180 months | 5.625% | 5.625% |
Effective 8.13.2021
As low as rates assume the following: 2nd loan lien position, 80% combined loan-to-value (CLTV), credit score of 740, and loan amount of $50,000.00. The monthly payment of principal and interest (P&I) for a 5-Year Fixed is $940.70. The monthly payment of P&I for a 10-Year Fixed is $533.39. The monthly payment of P&I for a 15-Year Fixed is $411.87. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Fixed Home Equity Loans.
| Loan Amount | APR |
|---|---|
| $10,000 - $49,999.99 | 2.49%* |
| $50,000 and Over | 2.49%** |
Effective 8.13.2021
*As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.00%.
**As low as 2.49% is introductory rate for a 12-month period immediately following the date of agreement and is only available on new loans (new money). The rate is subject to adjustment on the first day of each calendar quarter to Prime – 0.25%.
The monthly payment of principal and interest (P&I) for a loan amount of $50,000.00 is $471.12.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Equity Rich Line of Credit.
| Term | Rate | APR |
|---|---|---|
| 10 - Year Fixed | 2.750% | 2.989% |
| 15 - Year Fixed | 3.375% | 3.542% |
Effective 2.10.22
As low as rates assume the following: 1st loan lien position, 80% combined loan-to-value (CLTV), credit score of 740, and loan amount of $50,000.00. The monthly payment of principal and interest (P&I) for a 10-Year Fixed is $477.06. The monthly payment of P&I for a 15-Year Fixed is $354.38. Your Annual Percentage Rate (APR) may vary based on your final loan amount and finance charges. Interest rate and program terms are subject to change without notice. Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Fixed Equity Rich Loans.
| Term | APR |
|---|---|
| New/Used Cars, 2019 and newer models, Up to 63 months | As low as 2.74% |
| New/Used Cars, 2019 and newer models, 64 to 75 months | As low as 3.24% |
| New/Used Cars, 2019 and newer models, 76 to 84 months* | As low as 4.24% |
| Used Cars, 2016 through 2018 models, Up to 63 months | As low as 3.49% |
| Used Cars, 2016 through 2018 models, 64 to 75 months | As low as 4.24% |
| Used Cars, 2016 through 2018 models, 76 to 84 months* | As low as 5.24% |
| Used Cars, 2015 and older models, Up to 63 months | As low as 4.64% |
| Used Cars, 2012 through 2015, 64 to 75 months** | As low as 5.64% |
Effective 1.24.22
APR will vary if the loan is signed at a partner dealer location.
*Minimum loan amount is $18,000.
**Minimum loan amount is $10,000. Model years 2012-2015 only.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Vehicle Loans.
| Collateral | APR |
|---|---|
| Savings Secured | 3.00% Over Savings Rate |
| Certificate Secured | 3.00% Over Certificate Rate |
| New/Used Cars, 2019 and newer models, Up to 63 months | As low as 3.74% |
| New/Used Cars, 2019 and newer models, 64 to 75 months | As low as 4.24% |
| New/Used Cars, 2019 and newer models, 76 to 84 months* | As low as 5.24% |
| Used Cars, 2016 through 2018 models, Up to 63 months | As low as 4.49% |
| Used Cars, 2016 through 2018 models, 64 to 75 months | As low as 5.24% |
| Used Cars, 2016 through 2018 models, 76 to 84 months* | As low as 6.24% |
| Used Cars, 2015 and older models, Up to 63 months | As low as 5.64% |
| Used Cars, 2012 through 2015, 64 to 75 months** | As low as 6.64% |
Effective 1.24.22
*Minimum loan amount is $18,000.
**Minimum loan among is $10,000. Model years 2012-2015 only
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Secured Personal Loans.
| Term | APR |
|---|---|
| Signature Loans Up to 24 months | As low as 6.25% |
| Signature Loans Up to 60 months | As low as 7.25% |
Effective 3.17.2019
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Unsecured Personal Loans.
| Term | APR |
|---|---|
| 30 days to 6 months | 18.00% |
Effective 6.8.2021
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's HELP Loan.
| Loan Amount | APR |
|---|---|
| $500 - $50,000 | As low as 7.25% |
Effective 3.17.2019
Program minimum rate is 6% and maximum rate is 18%. The rate is variable and adjusts with the Prime Rate. Credit will be reviewed annually and ALOC applied credit tier will adjust according to the credit score at the time of review.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures for GECU's Anytime Line of Credit.
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above, Up to 180 Months | As low as 7.49% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 6.24% |
| New/Used Fixed $10,000 to $24,999.99, Up to 84 Months | As low as 6.24% |
| New/Used Fixed $9,999.99 and Below, Up to 72 Months | As low as 6.24% |
Effective 9.15.2020
Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Fixed Marine Loans.
| Term | APR |
|---|---|
| New/Used Fixed $75,000 and Above, Up to 180 Months | As low as 8.74% |
| New/Used Fixed $25,000 to $74,999.99, Up to 180 Months | As low as 7.49% |
| New/Used Fixed $10,000 to $24,999.99, Up to 84 Months | As low as 7.49% |
| New/Used Fixed $9,999.99 and Below, Up to 72 Months | As low as 7.49% |
Effective 9.19.2018
Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for complete disclosures to GECU's Fixed RV Loans.
| Term | APR |
|---|---|
| New/Used Motorcycles, 2019 and newer models, Up to 36 months | As low as 5.74% |
| New/Used Motorcycles, 2019 and newer models, 37 to 48 months | As low as 6.24% |
| New/Used Motorcycles, 2019 and newer models, 49 to 60 months | As low as 6.74% |
| Used Motorcycles, 2018 and older models, Up to 36 months | As low as 6.74% |
| Used Motorcycles, 2018 and older models, 37 to 48 months | As low as 7.24% |
| Used Motorcycles, 2018 and older models, 49 to 60 months | As low as 7.74% |
Effective 1.1.2022
Terms are guidelines only; longer terms may be available for qualified borrowers. APR will vary if the loan is signed at a partner dealer location.
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates
Click here for complete disclosures to GECU's Motorcycle Loans.
| Card | APR |
|---|---|
| Visa Signature® | As low as 10.74% |
| Platinum | As low as 8.74% |
| Gold | As low as 8.74% |
| The Classic | As low as 7.24% |
| Classic Secured | As low as 13.49% |
| Business | As low as 9.74% |
Effective 4.1.2020
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
| Annual Percentage Rate |
|---|
| 17.00% |
Effective 9.19.2007
Rates are subject to change daily.
Please call: 513.243.4328 or 800.542.7093 for the most current rates.
Click here for the complete disclosures to GECU's Overdraft Protection.
General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.
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