Loans

Loan Rates

Review Rates

New/Used Car

It’s important to make sure you find the best rate for one of the largest purchases you may ever make. GFCU offers our members the most competitive rates and terms on both new and used autos. GFCU makes auto buying easy for its members by offering pre-approvals.

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Invest in America
- the big three automakers are teaming up with GFCU to offer a vehicle purchase price discount
- plus $250 of bonus cash on a new model vehicle.

They’re calling it the “Invest in America” program, and it’s available to GFCU members. As a GFCU member, you’re qualified to participate.
CUDL - build a new or used car, find values for purchase or trade

Benefits:

Flexible Loan Terms
Get pre-approved before your purchase
Apply on line, by phone or in person

Apply today for your new car loan

Apply today for your used car loan

Personal Loan

Let GFCU help you access that extra cash you may need for emergencies, bill consolidations, tuition or vacation. Our great rates and terms make GFCU the place to borrow.

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Benefits:

Flexible Loan Terms
Apply on line, by phone or in person

Apply today for your personal loan

Line of Credit

Need money 24/7? Write yourself a loan. With a GFCU Line of Credit you will have a reusable loan that you may access up to the credit limit and pay back at your convenience. A GFCU Line of Credit has no payments until you the member advance the line.

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Benefits:

Flexible Loan Terms
Apply on line, by phone or in person

Apply today for your line of credit

Overdraft Line of Credit

Forgot to enter that check you wrote last week? Overdraft Line-of-Credit is the very best protection of overdraft for your checking account.

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Benefits:

Flexible Loan Terms
Apply on line, by phone or in person

Apply today for your overdraft of credit

Platinum Visa

With a GFCU Visa Platinum Card you fill up your car, dine out, shop online, get cash and pay your bill with the added feature of earning GFCU Bonus Points

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Benefits:

No Annual Fee
Low Fixed Rates
Rewards for Merchandise or Travel
Apply on line, by phone or in person

Apply today for your Platinum Visa

Mortgage

First time homebuyer or refinancing an existing mortgage, GFCU has a wide range of Mortgage Products to fit your family’s need.

For more information, featured rates or to apply for your mortgage

Home Equity/Primeline

Need to pay for a college education, buy a car or do those much needed home improvements? Put your home’s equity to work for your family.

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Benefits:

Rates as low as Prime Lending Rate
Quick approval and closing
Possible tax advantages (seek advice)
Low closing cost

Apply today for your home equity loan

Apply today for your Primeline Home Equity Line of Credit

New/Used RV or Boat

Make those dreams come true, hit the open seas in that new boat or plan that cross-country trip in a new recreational vehicle

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Apply today for your new RV or boat loan

Apply today for your used RV or boat loan

Share Secured Loans

Looking to build or re-establish your credit? Keep your savings and get an excellent low rate? Use any GFCU share or certificate account to use as collateral for your loan request.

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Apply today for your 100% share secured loan

Apply today for your partial share secured loan

Fresh Start Loans

GFCU offers a $500.00 loan to its members that are unable to obtain credit elsewhere, but want to reestablish or apply for credit.

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Protect Your Loans

Auto/Homeowner Insurance - Get a FREE online quote from the MEMBERS Auto and Homeowners Insurance Program, underwritten by Liberty Mutual Insurance Company, to see how much you could save on your auto insurance.

As a credit union member, you can also get a FREE quote for MEMBERS Renters insurance.

MEMBERS Auto and Homeowners Insurance Program

Safeguard your loan with affordable Debt Protection

Why Risk Your Good Credit Rating? In today’s challenging economy it’s crucial to make sure that every dollar you borrow is protected against life’s uncertainties. Fortunately, our new Debt Protection product makes it easier and more affordable than ever to do just that.

For as little as pennies a day, Debt Protection cancels or reduces your monthly loan payment or outstanding loan balance when a protected event occurs.

Death – Cancels or reduces your outstanding loan balance up to $50,000 in the event of a covered death.

Disability - Cancels or reduces your monthly loan payment up to $750 per month in the event of a covered accident or illness.

Involuntary unemployment — Cancels or reduces your monthly payment up to $750 for a maximum of 6 months per occurrence with a total benefit of 12 monthly payments per loan when a member is involuntarily unemployed as defined by state unemployment statutes.

Enrollment is quick and simple, making it a “no-brainer” to choose peace of mind for you and your family.

Guardian FCU offers the following debt protection options to you for single and joint coverage (available for borrower and co-borrower only).

Platinum Package: Life and Disability Protection

Gold Package: Life and Involuntary Unemployment Protection

Silver Package: Disability Only Protection

Bronze Package: Life Only Protection

Show your loved ones you care. Check with your loan officer today to determine which protection options are best for you.

Please note:

This product is optional - Your purchase of Debt Protection is optional. Whether or not you purchase Debt Protection will not affect your application for credit or the terms of any existing credit agreement you have with Guardian Federal Credit Union.
Eligibility Requirements, Conditions and Exclusions - There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection benefits. You should carefully read your Debt Protection contract for a full explanation of the terms and conditions of the Debt Protection program.

This product is a contract between consumer and the financial institution. No benefits are payable to a consumer under this contract.

COLLATERAL PROTECTION INSURANCE - GFCU collateral protection is designed for borrowers who have let their own insurance lapse and are unable or unwilling to obtain new insurance on their vehicle. The premiums for the insurance are added to the member’s account. If the collateral becomes damaged the CPI insurance will repair the auto keeping the borrower in their vehicle and GFCU’s collateral protected.

More Information

GAP INSURANCE - protects you and GFCU from the “gap” between the full payoff amount on your vehicle and the actual cash amount your primary insurance company will pay in the event of an unrecovered theft or total loss. GAP coverage pays your insurance company deductible up to $1,000. And in most states, GAP also pays $1,000 toward the down-payment of the replacement vehicle.

More Information

MEMBERS FINANCIAL SERVICES (MFN) - is an Insurance and Brokerage Center to help you with your retirement, money management and insurance products such as life, health, accident, home and car insurance. Access the tools you need to organize your financial life. You will find financial workbooks featuring a dozen integrated calculators, as well as checklists and tips and a library of financial articles.
Realize your financial goals with solutions tailored to your needs with investment and insurance products offered by CUNA Mutual.

Life
Health
Accident
Auto
Homeowners

Go there now: CUNA Mutual

Protect Yourself From Costly Mechanical Breakdowns

When buying any vehicle, there is always a chance of having a mechanical breakdown. However, you will have peace of mind knowing that most problems can be taken care of with an Extended Warranty also known as an Extended Service Contract from Auto Exam, Inc. Auto Exam will give you all the benefits and options at an affordable price. For just pennies a day, your automobile will be protected from unexpected repair costs. When an unforeseen repair is required, the first thing you will reach for is this plan.

Available for your new or used car
Less expensive than comparable dealer warranties/contracts
Nationwide coverage, US and Canada
Towing, rental and trip interruption benefits