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Other Loan RatesApply for a loan

Effective March 1, 2015 - March 31, 2015.
**Rates are subject to change, special promotional rates do not apply to loans already financed at the Credit Union.**
Loan Types
Terms Daily Periodic Rate Annual Percentage Rate

Secured Loans: Auto Title Loans/Boats/ RVs/ Travel Trailers*
Up to 48 Months
0.013671%–0.042438%
4.99%–15.49%
49 to 72 Months
0.014356%–0.043123%
5.24%–15.74 %


*Due to recent compliance regulations, GTFCU is unable to finance Park Model RV’s/Homes/House Boats.

Other Secured Loans: Motorcycles /Offroad Vehicles/ Jet Skis / NEW Horse or Stock Travel Trailers
Up to 48 Months
0.019836%–0.028055%
7.24%–10.24%
Unimproved Property
Up to 10 Years
0.014384%–0.017808%
5.25%–6.50%
Home Improvement
Up to 10 Years
0.014877%–0.017753%
5.43%–6.48%
15 Years $25,000 min 0.015562%–0.018027% 5.68%–6.58%
Signature / Line Of Credit / Overdraft
LOC and Overdraft protection will be disbursed in increments of $100.00. Payments on Signature loans will be set at $35 per $1,000 borrowed.
Varies
0.026000%–0.049315%
9.49%–18.00%
Stock Secured
Up to 24 Months
0.024658%
9.00%
Share Secured
Up to 60 Months
0.010959%
4.00%
Certificate Secured
Terms Maximum loan advance is 90% of available certificate. Maximum term cannot exceed maturity date plus 1 day 2.50% over earned rate. For certificates with 48 months or more left on its term, maximum loan advance is 75% of available certificate value.

Annual Percentage Rate (APR)
The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive.

Late Charge
You will pay 20% of the interest due if payment is more than 10 days late.
Minimum $0.05 - $100.00 maximum.

Collection Costs
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Certificate Secured
Loans secured by a Share Certificate (CD loans) with a term of 36 months or longer will require a monthly payment. The APR will be the dividend rate being paid on the Shared Certificate of Deposit as security (index) plus 2.5% (margin). The approximate term of the advance may not exceed the term of the certificate offered as security for a certificate secured loan. The APR and daily periodic rate will be disclosed on the Closed-End Note at the time of the advance