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Loan Rate Information

Gabriels Community Credit Union offers the following Loan and Mortgage rates for our members.

Rates and terms are subject to change without notice. Rates determined by amount financed, loan term and credit history.  The rates shown are for members with a good credit rating.

Loan Rates

Cars, Trucks and Vans 2013 and NEWER
Effective Date: November 1, 2018
TermAnnual Percentage Rate
Up to 36 Months 3.49%
Up to 48 Months 3.74%
Up to 66 Months 3.99%
Up to 75 Months 4.74%
Up to 84 Months 5.74%

Cars, Trucks and Vans 2011 and 2012
Effective Date: November 1, 2018
TermAnnual Percentage Rate
Up to 36 Months 4.99%
Up to 60 Months 5.49%

Cars, Trucks and Vans 2010 & Older
Effective Date: November 1, 2018
TermAnnual Percentage Rate
Up to 48 Months 7.49%

Motorcycles, Boat, Snowmobiles, Campers 2012-2018
Effective Date: November 1, 2018
TermAnnual Percentage Rate
Up to 48 Months 8.00%

Up to 60 Months
Up to $10,000.00

8.25%

Up to 84 Months
$10,000.00 to $15,000.00

8.50%

Up to 120 Months
$15,000.00 to $20,000.00

8.75%

Up to 144 Months
$20,000.00 and over

9.00%

Collateral Older Than 2011 - Underwriting Discretion
Effective Date: November 1, 2018
TermAnnual Percentage Rate
Up to 48 Months 8.90%

Personal Installment Loans
Effective Date: November 1, 2018
TermAnnual Percentage Rate
Up to 36 Months 8.49%
Up to 48 Months 9.49%
Up to 60 months 10.49%

Other Loans
Effective Date: November 1, 2018
NameAnnual Percentage Rate
Revolving Line of Credit 15.00%
Overdraft Line of Credit Protection 18.00%

Share Secured Loans
24 Months or Less

6.00%

Share Secured Loans
36 Months or less

7.00%

VISA Classic
(APR for Purchases)

13.90%

VISA Platinum
(APR for Purchases)

8.90%

CD Secured Loans
Your current CD rates plus 4.00%

Varies
Home Improvement Loan
(Up to 10 years)
 
Varies

Mortgage Rates

Mortgage Loans

Home Equity Loans
Effective Date: October 1, 2018
TermAnnual Percentage Rate
Index Rate 2.25% as of 10-1-18

First Position on Mortgage
Up to 80% of Equity on Appraised Value

2.75 (5.00%)

Second Position on Mortgage
Up to 80% of Equity of Appraised Value

3.75 (6.00%)

First Mortgage
Effective Date: November 1, 2018
Fixed rate with Gabriels CU in first lien position
TermAnnual Percentage Rate
30 Year 5.75%
20 Year 5.500%
15 Year 5.250%
10 Year 4.990%

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