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Rates

Effective December 1, 2023

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 $1,000 and under 5.00% 5.00%
Holiday and Vacation Clubs Balances $250 and greater 0.15% 0.15%
IRA Savings* Balances $250 and greater 0.15% 0.15%
Roth IRA Savings* Balances $250 and greater 0.15% 0.15%
Coverdell (Education) Savings Balances $250 and greater 0.15% 0.15%

Share rates subject to change without notice.

APY = Annual Percentage Yield

Primary Account holder must be 17 years of age or younger. Rate applies to balances up to $1,000. Any amount over $1,000 our current Share Savings rate will apply.

SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

Savings and IRA  (Traditional, Roth, Coverdell) Share Certificates*
Term Dividend Rate APY
3 Month Certificate 1.00% 1.00%
6 Month Certificate 2.00% 2.00%
1 Year Certificate 4.00% 4.00%
2 Year Certificate 4.00% 4.00%
3 Year Certificate 3.50% 3.50%
4 Year Certificate 3.50% 3.50%
5 Year Certificate 3.50% 3.50%

Required Balance: $500 minimum

Money Market1
Required Balance Dividend Rate APY
Balances Below $2,500 0.30% 0.30%
Balances $2,500 to $24,999 0.50% 0.50%
Balances $25,000 to $49,999 0.85% 0.85%
Balances $50,000 to $99,999 1.00% 1.00%
Balances equal to or over $100,000 1.25% 1.25%

APY = Annual Percentage Yield

* Traditional, Roth, and Education (Coverdell) Retirement Accounts may also be opened as Certificates.

1 Minimum deposit for Money Market account is $100. 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 7.625% 0 Points 7.964%1
20 Year fixed rates as low as 7.500% 0 Points 7.589%1
15 Year fixed rates as low as 6.375% 0 Points 6.481%1
10 Year fixed rates as low as 6.375% 0 Points 6.525%1
5/6 ARM 6.625% 0 Points 7.558%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, a credit score of 740 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 Loan - 80% LTV
Term APR
Fixed up to 60 months (min. $10,000)3,4 5.75%
Fixed up to 120 months (min. $10,000)3,4 6.00%
Fixed up to 180 months (min. $10,000)3,4 6.50%
Fixed up to 240 months (min. $10,000)3,4 7.00%
HELOC (Home Equity Line of Credit)
Credit Line APR
$10,000 to $49,9993,4,5 8.00% (Prime Rate minus 0.50%)6
$50,000 to $149,9993,4,5 8.25% (Prime Rate minus 0.25%)6
$150,000, or more3,4,5 8.25% (Prime Rate minus 0.25%)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. Home Equity Loans and Lines of Credit are not available for properties located in Puerto Rico.
4Maximum loan or line of credit $750,000
5No minimum balance, annual fee or advance required.
6Prime Rate is 8.50% as of July 26, 2023. The APR for this Home Equity Line of Credit (HELOC) is based on prime plus a margin and can change monthly. Home Equity Lines of Credit (HELOC) are variable rate loans and the interest rate is subject to increase after consummation of the loan on a monthly basis.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

New Car/Motorcycle
Maximum Term APR
Fixed up to 48 months 1 as low as 5.50%+
Fixed up to 60 months 1 as low as 5.55%+
Fixed up to 72 months 1 as low as 5.75%+
Fixed up to 84 months 1 as low as 6.24%+
Used/Refi Car or Motorcycle
Maximum Term APR
Fixed up to 48 months2 as low as 5.75%+
Fixed up to 60 months2 as low as 5.75%+
Fixed up to 72 months2 as low as 6.25%+
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 2.00%.
1Finance 100% of purchase price. Valid dealer purchase order required. Never been registered and < 1,500 miles.
2Vehicle model years 2018 to 2023: Finance up to 100% of the clean retail value with terms up to 72 months. Vehicle model years 2013 to 2017: 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 2012* (*Call credit union for additional details.) Refinanced vehicles 2012 or newer from another financial institution.
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
Special fixed up to 15 months! as low as 6.75%+
Fixed up to 36 months as low as 7.99%+
Fixed up to 60 months as low as 9.99%+
Share Secured Loan
Fixed up to 60 months ($1000 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 2.00%.
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

Mastercard® Credit Cards
GE Credit Union Mastercard as low as 15.24%7
GE Credit Union Secured Mastercard as low as 18.00%7

Loan rates subject to change without notice.
APR= Annual Percentage Rate. GE Credit Union is an Equal Opportunity Lender.
7Cash Advance Rate = 18.00% APR
SOME RATES ARE NOT AVAILABLE IN PUERTO RICO.

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