Current Loan Rates

  • The chart below is used to provide a brief summary of loan rates. Rates for these products are “as low as” stated. Rates are determined by an evaluation of applicant credit. Your rate may vary from the rate shown.
  • All rates and terms are subject to change without notice.
  • For complete details on any loan product, contact the Credit Union in person or by phone.
  • To calculate loan payments, use this Loan Calculator.
  • If you have been denied credit at the Credit Union in the last 6 months there is a Loan Application fee of $25.00.

 



APR = Annual Percentage Rate

Loan Types / Maximum Term

Loan Type / Maximum TermAPR
Mortgages
Our Mortgage Loans and HELOCS are underwritten by our partner Weatherstone Mortgage who maintains our rates that can change on a daily basis. For rate information call Weatherstone at 516-349-8181. You must mention that you are a Greater Metro FCU member.
__________________________________
New Vehicle - fixed rate
36 Months6.19%
48 Months6.49%
60 Months6.69%
72 Months6.89%
Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
__________________________________
Used Vehicle - fixed rate
36 Months*6.59%
48 Months**6.89%
60 Months***7.09%
72 Months****7.29%
Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's)
*Year of Vehicle: 2022, 2021, 2020, 2019, 2018, 2017, 2016 - Max Mileage 84k
**Year of Vehicle: 2022, 2021, 2020, 2019, 2018, 2017- Max Mileage 72k
***Year of Vehicle: 2022, 2021, 2020, 2019, 2018- Max Mileage 60k
****Year of Vehicle: 2022, 2021, 2020, 2019- Max Mileage 48k
__________________________________
Personal Loans - fixed rate
1-60 Months8.75%
Minimum Loan Amount: $500
Maximum Loan Amount: $15,000
May require co-signer/maker
__________________________________
Share Secured Loan - fixed rate
Highest Share Rate: +3.00%3.25%
__________________________________
Share Certificate Secured Loan - fixed rate
CD Rate + 3.00%n/a
__________________________________
Overdraft LOC - variable rate "Based On Index"
Prime + 4.50%13.00%
Minimum Loan Amount: $500
Maximum Loan Amount: $15,000
Minimum Payment is 2.5% per month of the outstanding principal balance or $50, whichever is greater.
__________________________________
Standard Mastercard®
11.90%
__________________________________
Platinum Mastercard®
7.90%

 

Return to Top


Notes:
Maximum unsecured loan to one person is $25,000 including unused credit limits.

View Our Funds Availability Schedule