Loan Rates
Members may also apply through the online application available in online banking.
| Model Year | Term | APR as LOW as* |
| 2024 & 2025 less than 12,000 miles | 36 - 60 Months | 5.49% |
| 61 - 72 Months | 5.99% | |
|
2020 - UP
|
24 - 48 Months | 5.74% |
| 49 - 60 Months | 6.24% | |
| 61 - 72 Months | 6.74% | |
| 2017 - 2019 | 12 - 36 Months | 6.74% |
| 37 - 48 Months | 7.24% | |
| 49 - 60 Months | 7.74% | |
| 2016 and Older | 12 - 36 Months | 7.99% |
| 37 - 48 Months | 8.49% | |
|
Rates as of: July 1st 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. |
||
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% |
|
** based on 2.00% added to our 30 year, 60-day fixed mortgage rate at loan closing Loan Rates Subject to Change without Notice |
||
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 2004
"What has the CU done for and meant to me? How about warmth and security? When I joined I felt, and still feel, that the diversity of the neighborhood is well represented both by the CU's members and its employees. As welcoming as the staff is, I had no problem following when the building on Gregory St became its new home. The loyalty I felt to Genesee Co-op FCU at that time has been validated by an incident in May 2009. One of my checks was presented to the teller, unsigned, for a large amount. When that individual came back with same check supposedly signed by me, the CU refused to cash it, because the staff recognized the signature as forged. I got to see how the sense of kinship the CU propagates, plays out in order to safeguard its members. Thank you, team."