Rates & Fees

Effective July 1, 2017

Vehicle Loans
Maximum Term APR
New Car
Fixed up to 48 months 1 as low as 1.99%+
Fixed up to 60 months 1 as low as 2.24%+
Fixed up to 72 months 1 as low as 3.49%+
Fixed up to 84 months 1 as low as 3.49%+
Used/Refi Car
Fixed up to 48 months2 as low as 2.24%+
Fixed up to 60 months2 as low as 2.24%+
Fixed up to 72 months2 as low as 3.49%+
Enterprise Used Car Rate2a 90 days deferred payments
Boats & RVs
Fixed up to 84 months as low as 7.70%
Personal Loans
Overdraft Line of Credit
Fixed up to $15,000 15.00%
Personal Line of Credit
Fixed up to $15,000 as low as 12.00%
Personal Loan
Summer Special fixed up to 15 months! as low as 4.75%+
Fixed up to 36 months as low as 7.99%+
Fixed up to 60 months as low as 9.99%+
Share or Savings Certificate Secured Loan
Fixed up to 144 months ($500 minimum) 5.99%
First Mortgages

Whether you are buying your first home, relocating, refinancing or tapping into your equity, GE Credit Union has a loan tailored for you.

Term Rate Points APR
30 Year fixed rates as low as 4.375% 0 Points 4.438%1
20 Year fixed rates as low as 4.00% 0 Points 4.198%1
15 Year fixed rates as low as 3.625% 0 Points 3.682%1
10 Year fixed rates as low as 3.50% 0 Points 3.599%1
5/1 ARM 3.75% 0 Points 3.861%2
  • Annual Percentage Rates (APR) assumes a down payment of 20%, a standard 30 day rate lock and a loan amount of $200,000.00.
  • Longer lock rates available at a higher APR.
  • Ask about our low down payment products and closing costs assistance program available for first time home buyers.
  • Mortgage loans without an escrow for real estate taxes may be subject to an interest rate increase.
  • Real estate tax escrow required for all loans with down payment/equity less than 20%.
  • Mortgage loans with a loan value in excess of 80% require Private Mortgage Insurance (PMI).
  • Rate adjustments may apply due to credit score, cash out, loan to value and occupancy status.  
  • 1Assumes 20% equity and no PMI.
  • 2Please call for further details

Apply  Purchase Pre-Approval

GE Credit Union Mortgage Rates* Subject to change at any time.

Home Equity - 80% LTV
Term APR
Fixed up to 60 months (min. $10,000)3,4 3.24%
Fixed up to 120 months (min. $10,000)3,4 4.00%
Fixed up to 180 months (min. $10,000)3,4 4.50%
Fixed up to 240 months (min. $10,000)3,4 5.49%
HELOC (Home Equity Line of Credit)
Credit Line APR
$10,000 to $49,9993,4,5 4.50% (Prime Rate plus 0.50%)6
$50,000 to $149,9993,4,5 4.25% (Prime Rate plus 0.25%)6
$150,000, or more3,4,5 4.00% (Prime Rate)6
VISA Credit Cards
GE Credit Union VISA Platinum as low as 10.99%7
GE Credit Union VISA Platinum Secured as low as 14.99%7

Loan rates subject to change without notice.
APR= Annual Percentage Rate. GE Credit Union is an Equal Opportunity Lender.
+Rate with Automatic Payment from a GE Credit Union account may be discounted by 0.25% as long as the rate does not fall below 1.99%.
1 Finance 100% of purchase price. Valid dealer purchase order required. Never been registered and < 1,500 miles.
2Vehicle model years 2012 to 2017: Finance up to 100% of the clean retail value with terms up to 72 months. Vehicle model years 2011 to 2007: Finance up to 100%* clean retail value depending on credit score, not to exceed 135,000 miles, up to 60 months.Classic cars vehicles older than 2005* (*Call credit union for additional details.) Refinanced vehicles 2009 or newer from another financial institution
2a Finance charge begins from date of purchase and is repaid over the term. Offer valid June 1 – June 30, 2017. 2: Kelley Blue Book Trade-In Values used by Enterprise are obtained from©2017 Kelley Blue Book Co.'s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle.Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In Value is not available for customer's vehicle, Enterprise will provide a fair and competitive value for customer's vehicle. Additional trade-in value of $500 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington D.C. Offer valid June 1 – June 30, 2017. No cash advances. This offer cannot be combinedwith any other offer except those listed in this advertisement

3 No application fee, no closing costs, no annual fee. Borrower pays third party closing costs if the account is closed within the first 15 months. Title insurance required on some loans over $100,000. Up to 80% LTV, 1-4 family, owner-occupied properties and approved condominiums.
4Maximum loan or line of credit $450,000
5No minimum balance, annual fee or advance required.
6Prime Rate 4.25% as of June 30, 2017
7Cash Advance Rate = 14.74% APR
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.