Loan Rates

For mortgage rates, please contact one of our Real Estate Loan Officers.

LOAN TYPEBASE APRAPR RANGETERMAVAILABLE DISCOUNTSOTHER NOTES
Vehicle4.24%3.24% - 18.00%Up to 84 months*1,2,3*$15,000 & above term up to 72 months
*$25,000 & above term up to 84 months
Credit Card6.99%5.99% - 18.00%RevolvingN/AFor Visa Rewards Card add 1.00% to rate - More Details
Personal10.24%10.24% - 18.00%Up to 84 months1,3
Title4.24%3.24% - 18.00%Up to 84 months*1,2,3*$20,000 & above term up to 72 months
*$30,000 & above term up to 84 months
Boat6.24%5.24% - 18.00%Up to 144 months*1,2,3*$15,000 & above term up to 84 months
*$30,000 & above term up to 144 months
Motorcycle6.24%5.24% - 18.00%Up to 60 months1,2,3
Travel Trailer / RV6.24%5.24% - 18.00%Up to 144 months*1,2,3*$15,000 & above term up to 84 months
*$30,000 & above term up to 144 months
Miscellaneous Equipment8.00%8.00% - 17.75%Up to 60 monthsN/A
Share SecuredTerm Share Rate + 3.00%Up to 120 months*N/A* loans secured by share certificates, term is up to maturity date
Credit Saver*Term Share Rate + 3.00%Up to 24 months**N/A*contact credit union for further details
**12 months, loan amount $1,000
**18 months, loan amount $1,500
**24 months, loan amount $2,000
Mortgage RatesChanges dailyUp to 30 yearsN/A*contact our Mortgage Center for current rates, fees, and qualifications
Home Equity*4.99%4.99% - 14.99%Up to 240 months**N/A*contact credit union for further fees, rules and restrictions
**For 61-120 months, add .50% APR
**For 121-180 months, add 0.75% APR
**For 181-240 months, add 1.00% APR
**For 2nd Lien, add an additional 1.00% APR
Land Loan6.99% - 15.74%N/AUp to 180 monthsN/A
Teacher Loan8.99%8.99% - 16.99%Up to 60 monthsN/A
All rates quoted in Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification.

 


Loan Discounts

DISCOUNTDESCRIPTIONDISCOUNT
1Credit Life or Disability Insurance0.25%
2Gulf Coast Educators Insurance Services, LLC Discount0.25%
3Direct Deposit0.25%
Maximum discount is 0.750% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans.

 


Disclosures: APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. Maximum discount is 0.75% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans. Payment Example: 60 monthly payments of $18.41 per $1,000 borrowed at 3.99% APR. Auto loans may receive a rate of 3.24% APR with a 3 year or less term with maximum discount. Gulf Coast Educators Insurance Services, LLC Discount is for insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by Gulf Coast Educators Federal Credit Union. Funds are not insured by the NCUA or any federal government agency.