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 | 5.99% |
| 61 - 72 Months | 6.49% | |
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2020 - UP
|
24 - 48 Months | 6.24% |
| 49 - 60 Months | 6.74% | |
| 61 - 72 Months | 7.24% | |
| 2017 - 2019 | 12 - 36 Months | 7.24% |
| 37 - 48 Months | 7.74% | |
| 49 - 60 Months | 8.24% | |
| 2016 and Older | 12 - 36 Months | 8.49% |
| 37 - 48 Months | 8.99% | |
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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. |
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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 joined the credit union when they first opened on Monroe Avenue. I wanted to build an account with a financial institution. I saw that they were new and I was starting new - so I thought it would be a good start! They were nice and courteous people. After they moved to South Avenue I wanted to buy a new car and they helped me with that and I have taken out personal loans with them too. They're more personal, a bank doesn't know you from the next 500 people. I always recommend them to people. The credit union looks at the things happening in your life and works with you. They know that people don't fail because they are not working on their life. Sometimes things just happen. I would like to get my next mortgage through them. I love them, they just fit my needs."