Other Loans

Whether you carry a balance from month to month or pay your balance in full, the GECU VISA credit card is a smart choice. Enjoy the convenience of getting what you need when you need it. Our credit card offers several great features for you to benefit from:

• Lower rates than the national average
• No annual fee
• 25 day grace period
• Accepted Worldwide at over 20 million locations--everywhere you see the VISA symbol
• Non-Variable rates as low as 8.90% APR (Annual Percentage Rate; actual rate received based on credit score)
• No cash advance fees. APR on cash advances is equal to your purchases APR.
• 1% foreign transaction fee
• 100% protected from unauthorized card use
• Minimum payment of only 2% of outstanding balance or $25, whichever is greater
• Payments accepted at GECU locations
• Manage your VISA credit card account online for free at www.ezcardinfo.com
• Extended Warranty Program

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Borrow at rates lower than personal loan rates when you use your savings or CD as collateral. The best part? You're Pre-Approved!

• Need savings or CD with balance equal to or greater than outstanding loan balance (throughout the life of the loan)
• Savings becomes available for use as the loan balance is paid down
• Savings and CDs continue to accrue dividends while securing the loan

In today's fast paced world it is easy for things to slip through the cracks. Sometimes it’s the 1st of the month before you know it and that bill is due to come out of your account. An Overdraft Line of Credit can be your first line of defense against bounced checks and overdraft fees. It is a revolving line of credit that is attached directly to your checking to give you added peace of mind.

• Line available with limits of $500 or $1,000 and monthly payments of $50 or $100, respectively
• No collateral needed
• Extra source of funds when needed
• No transfer fees (loan balance does accrue interest)

Are you looking to start or build your credit? Perhaps you have had some bumps along the way and you need to rebuild your credit. We have loans that can help our members that are in either of these situations.

Our Credit Starter Loan would help the member that has never applied for credit and has no credit score or credit history. The credit starter loan:

• Is an unsecured loan.
• Has a fixed rate of 14.99% APR*.
• Loan amounts range from $500.00-$1,000.00. Payments range from $25.00 to $50.00.
• Requires that the applicant is employed and can provide proof of income.

Our Credit Builder Loan is a good fit for those members that want to build credit or re-build a damaged credit history but are not in need of the money right away. The funds from the loan are deposited into the member’s share (savings) account and pledged as collateral for the loan. As payments are made, money becomes available in savings for the member to use as they wish. The Credit Builder loan:

• Is a secured loan.
• Has a fixed rate of 6.0% APR*
• Loan amounts range from $500.00-$1,000.00. Payments range from $25.00 to $50.00.
• No credit report or proof of income is required.