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Rates

Effective August 1, 2017

Share Accounts
Share Type Required Balance Dividend Rate APY
Regular Shares Balances $250 and greater 0.05% 0.05%
Secondary Savings Balances $250 and greater 0.05% 0.05%
Jump Start Savings1 Balances $500 and under 5.00% 5.00%
Holiday and Vacation Clubs Balances $250 and greater 0.30% 0.30%
IRA Savings* Balances $250 and greater 0.30% 0.30%
Roth IRA Savings* Balances $250 and greater 0.30% 0.30%
Coverdell (Education) Savings Balances $250 and greater 0.30% 0.30%

Share rates subject to change without notice. APY= Annual Percentage Yield
1Primary Account holder must be 17 years of age or younger. Rate applies to balances up to $500. Any amount over $500 our current Share Savings rate will apply.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

Traditional, Roth, Coverdell (Education) IRA Share Certificates*
Term Dividend Rate APY
3 month Certificate 0.20% 0.20%
6 month Certificate 0.25% 0.25%
9 month Certificate 0.35% 0.35%
1 year Certificate 1.10% 1.10%
18 month Certificate 1.25% 1.25%
2 year Certificate 1.50% 1.50%
3 year Certificate 1.60% 1.60%
4 year Certificate 1.70% 1.70%
5 year Certificate 1.85% 1.85%

Required Balance: $500 minimum

Money Market2
Required Balance Dividend Rate APY
Balances Below $2,500 0.05% 0.05%
Balances $2,500 to $24,999 0.20% 0.20%
Balances $25,000 to $49,999 0.25% 0.25%
Balances $50,000 to $99,999 0.30% 0.30%
Balances over $100,000 0.35% 0.35%
Business Money Market2
Required Balance Dividend Rate APY
Balances $50,000 and over 0.35% 0.35%

APY= Annual Percentage Yield
* Traditional, Roth and Education IRAs. Retirement Accounts may also be opened as Certificates.
2Minimum deposit for personal Money Market account is $100. Minimum deposit for Business Money Market account is $10,000.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

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

First Mortgages
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 5.00% (Prime Rate plus 0.50%)6
$50,000 to $149,9993,4,5 4.75% (Prime Rate plus 0.25%)6
$150,000, or more3,4,5 4.50% (Prime Rate)6

Loan rates subject to change without notice.
APR= Annual Percentage Rate. GE Credit Union is an Equal Opportunity Lender.
3No 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 4.50% as of December 14, 2017.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

New Car
Maximum Term APR
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
Maximum Term APR
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 0.50% off current rate
Boats & RVs
Maximum Term APR
Fixed up to 84 months as low as 7.70%

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%.
1Finance 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
2aThis is a buy down offer. The amount of the buy down will not affect the price of the vehicle. Qualifying rate will vary based  on credit worthiness and terms. Financing for qualified GE Credit Union members only. Offer valid only on Enterprise Car Sales vehicles purchased August 1 – September 30, 2017. This offer cannot be combined with any other offer.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

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
Holiday 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%

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%.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

VISA Credit Cards
GE Credit Union VISA Platinum as low as 11.24%7
GE Credit Union VISA Platinum Secured as low as 15.25%7

Loan rates subject to change without notice.
APR= Annual Percentage Rate. GE Credit Union is an Equal Opportunity Lender.
7Cash Advance Rate = 14.99% APR
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.