- 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.
Loan Types / Maximum Term
| Loan Type / Maximum Term | APR |
|---|---|
| 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 | as low as |
| 36 Months | 4.39% [1] |
| 48 Months | 4.69% [1] |
| 60 Months | 4.99% [1] |
| 72 Months | 5.99% [1] |
| Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's) | |
| _________________ | _________________ |
| Used Vehicle - fixed rate | as low as |
| 36 Months* | 5.39% [1] |
| 48 Months** | 5.69% [1] |
| 60 Months*** | 5.99% [1] |
| 72 Months**** | 6.99% [1] |
| Maximum loan amount: $50,000 (includes motorcycles, boats, & RV's) *Year of Vehicle: 2023, 2022, 2021, 2020, 2019, 2018, 2017 - Max Mileage 84k **Year of Vehicle: 2023, 2022, 2021, 2020, 2019, 2018 - Max Mileage 72k ***Year of Vehicle: 2023, 2022, 2021, 2020, 2019 - Max Mileage 60k ****Year of Vehicle: 2023, 2022, 2021, 2020- Max Mileage 48k [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. |
|
| _________________ | _________________ |
| Personal Loans - fixed rate | as low as |
| 1-60 Months | 8.75% [1] |
| Minimum Loan Amount: $500 Maximum Loan Amount: $15,000 May require co-signer/maker [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history. |
|
| _________________ | _________________ |
| 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® | |
|
|
| Standard Rates based on 5.49% - 9.49% above the Prime Lending Rate as published by The Wall Street Journal. | |
| _________________ | _________________ |
| Platinum Mastercard® | |
| 11.99% | |
| Platinum Rates based on 3.49% - 9.49% above the Prime Lending Rate as published by The Wall Street Journal. | |
Notes:
Maximum unsecured loan to one person is $25,000 including unused credit limits.
