LOAN DISCOUNTS

Consumer Loan Discounts

Discount	Description	Discount Rate
Credit Life or Disability Insurance	Add Credit Life or Disability Insurance to your loan through the credit union and you may receive 0.25% off your APR*.	0.25%
Gulf Coast Educators Insurance Services, LLC	If you have any type of insurance service through Gulf Coast Educators Insurance Services, you may qualify for a discount of 0.25% off your APR*. Insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by GCEFCU. Funds are not insured by the NCUA or any federal government agency.	0.25%
Direct Deposit	If you have at least 1 payroll direct deposit per month of $500 or more into your GCEFCU checking account, you may receive a discount of 0.25% off your APR*.	0.25%
Extended Warranty	GCEFCU offers several vehicle protection plans to add to your loan. If you add an extended warranty through the credit union, you may receive 0.25% off your APR*.	0.25%
Auto Pay	If you elect to have your loan payment set up with auto pay, you may receive 0.25% off your APR*.	0.25%
*APR = Annual Percentage Rate. Rates and discounts are subject to change without prior notification. Other conditions may apply. Maximum loan discount is 1.00% for auto, boat, motorcycle, and RV/Travel Trailer loans, and 0.75% for personal loans and miscellaneous equipment loans.

Discount	Description	Discount Rate
Direct Deposit Discount	Set up at least 50% of your paycheck to be direct deposited into your GCEFCU account to receive 0.125% off your APR*.	0.125%
Loyal Member Discount	Open a GCEFCU credit card or refinance an outside auto loan of $15,000 or more with GCEFCU to receive 0.125% off your APR*. Existing GCEFCU credit cards do not qualify.	0.125%
*APR = Annual Percentage Rate. Maximum loan discount is 0.25%. Rates and discounts are subject to change without prior notification. Other conditions may apply.