Loan Rates
Members may also apply through the online application available in online banking.
| Model Year | Term | APR as LOW as* |
| 2023 & 2024 less than 12,000 miles | 36 - 60 Months | 6.24% |
| 61 - 72 Months | 6.74% | |
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2019 - UP
|
24 - 48 Months | 6.49% |
| 49 - 60 Months | 6.99% | |
| 61 - 72 Months | 7.49% | |
| 2016 - 2018 | 12 - 36 Months | 7.49% |
| 37 - 48 Months | 7.99% | |
| 49 - 60 Months | 8.49% | |
| 2015 and Older | 12 - 36 Months | 8.74% |
| 37 - 48 Months | 9.24% | |
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Rates as of: April 3rd 2024 A down payment may be required with any purchase. *.50% DISCOUNT for vehicles with an EPA mileage of 30 MPG or greater on Genesee Co-op FCU Posted Rates only.
WE MATCH DEALER RATES *Annual Percentage Rate. Quoted rates are based on credit worthiness, qualifications, and collateral conditions. All loans are subject to approval. Some rates may only be available for new purchases or external refinancing. Your actual APR may vary. Rates are current as of the date posted above and are subject to change without notice. |
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Consumer Loan Rates (as of April, 3rd 2024)
| LOANS / LOAN OPTIONS | TERMS | Annual Percentage Rate (APR) |
| $500 - $25,000 Unsecured Loan | 12 - 60 Months | As Low as 8.75% |
| $5000 - $40,000 Secured Personal Loan | 12 - 120 Months | Rate Changes See Below** |
| $100 - $10,000 Line-of-Credit | Line-of-Credit | 13% |
| $500 Alternative Payday LOC | 3 Months | 18% |
| Share Secured Loan | As Requested | 3.25% |
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** based on 2.00% added to our 30 year, 60-day fixed mortgage rate at loan closing Loan Rates Subject to Change without Notice |
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Members borrow for personal, business or family needs.
We offer both unsecured and secured debt consolidation loans.
We offer overdraft lines-of-credit.
We can help you establish or repair credit.
Think of us if you want to buy furniture or appliances or have dental or other personal, business or family needs.
Our Members make the difference.
Member Since 1982
"I decided to become a founder and a member of Genesee Co-op Federal Credit Union because I wanted to help create, support and benefit from a cooperative alternative to mainstream financial institutions. It's important to me to know that my money supports a non-profit, community-based, socially-responsible saving and lending institution. Now more than ever, we need alternatives to the mega-banks that have made such a mess of our economy. I'm proud to have been a part of an institution that has helped thousands of people enter the world of credit, improve their financial standing and be treated with dignity. It's great to have witnessed the credit union’s evolution from a small group of food co-op members into an institution that serves a member-ownership that's diverse in age, race, ethnicity and socio-economic circumstance."