Loan Rates

Interest rates are subject to change without notice. Interest rates are stated as an Annual Percentage Rate (APR) and are applied as simple interest on the unpaid balances. Approved loan amount is determined by the applicant's credit score, terms and conditions. For additional details, please contact any GECU branch at (423)283-4300.

Interest rates are determined utilizing risk-based lending and calculated based on credit history, down payment, and term requested (maximum rate of 18.00%). Certain restrictions apply.

New and Used Auto

Term Collateral Type APR Rate- As low as
12-96 months New 3.00 - 14.50%
12-96 months Used 3.50 - 15.50%

 

First Time Auto Financing

Term Collateral Type APR Rate- As low as

12- 72 months

New/Used 9.5 - 11.50%

 

Motorcycles

Term Collateral Type APR Rate- As low as
12 - 108 months New 4.50 - 15.00%
12- 84 months Used 5.00 - 17.00%

 

Boats

Term Collateral Type APR Rate- As low as
12-180 months New 4.75 - 15.50%
12-180 months Used 5.75 - 16.50%

 

Campers/Travel Trailers

Term Collateral Type APR Rate- As low as
12 - 240 months New 5.00 - 15.50%
12 - 240 months Used 5.50 - 16.50%


Motor Homes

Term Collateral Type APR Rate- As low as
12 - 240 months New 5.50 - 9.50%
12 - 240 months Used 6.00 - 10.00%


Signature/Consolidation

Term APR Rate- As low as
12 - 60 months 7.99 - 17.99%


Credit Starter/Credit Builder

Loan Amount APR Rate- As low as
$500 - $1,000 6.00 - 14.99%


Personal Line of Credit

Loan Amount APR Rate- As low as
$3,000 - $25,000.00 The rate is currently 14.25%. The rate is variable. It is prime + 9.00%.

 

1st Mortgage and 2nd Mortgage
First-time, Conventional and VA Financing Options

Please call one of our knowledgeable Mortgage Originators at (423) 283-4300 today to find out our current rates.

 

Home Equity Line of Credit (HELOC)

Term Base Rate Loan Amount
Call for Details As low as 5.75% $10,000 minimum and up to 90% of property's value

 

Unimproved Property

Term APR Rate- As low as
5-10 years 7.99% - 17.99%

 

Share or CD Secured

Term APR Rate- As low as Loan Amount
Up to 120 months Current Savings/CD rate +3.00% $500 and up

 

Overdraft Line of Credit

Loan Amount APR Rate- As low as
$500 17.90%
$1,000 17.90%

**Terms and conditions may apply. Application process may be delayed or refused if application information is not received in a timely manner. Underwriting criteria are subject to change without notice