Call: (800) 622-3328 or (818) 846-1710   Routing Number: 322274116

Rates

Auto, Credit Card & RV Rates

Table data for New or Used Car, Truck, SUV, Van* - Fixed Rate (Up to Three Years Old)
 Effective 01/06/2025
Term Standard APR As Low As1 No Payments for 90 Days2 Alert Me
24 months 4.50%
✓
 Receive a notification when this rate changes
36 months 4.75%
✓
 Receive a notification when this rate changes
48 months 5.00%
✓
 Receive a notification when this rate changes
60 months 5.00%
✓
 Receive a notification when this rate changes
72 months 5.50%
✓
 Receive a notification when this rate changes
84 months 6.00%
✓
 Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 5.00% APR for 60 months would result in 60 payments of $471.76. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan.
* Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
  • 1APR = Annual Percentage Rate↵
  • 2Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.↵

Table data for Car, Truck, SUV, Van* - Fixed Rate (Four to Nine Years Old)
 Effective 01/06/2025
Term APR As Low As1 Alert Me
24 Months 5.75% Receive a notification when this rate changes
36 Months 5.75% Receive a notification when this rate changes
48 Months 6.00% Receive a notification when this rate changes
60 Months 6.25% Receive a notification when this rate changes
72 months 6.75% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 6.75% APR1 for 72 months would result in 72 payments of $423.21. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available for vehicles four to eight years old and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans. No prepayment penalty. All loans are subject to Gain Federal Credit Union policies and procedures. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for auto loan.
* Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates.
  • 1APR = Annual Percentage Rate↵

Table data for Mastercard Credit Cards
 Effective 01/06/2025
Cards APR As Low As1 Maximum APR1 Alert Me
Platinum Rewards Mastercard (introductory) 1.99%2 1.99% Receive a notification when this rate changes
Platinum Rewards Mastercard (non-introductory) 13.00%2 18.00% Receive a notification when this rate changes
Classic Mastercard 10.90% 18.00% Receive a notification when this rate changes
Secured Mastercard 10.90% 18.00% Receive a notification when this rate changes
"As low as" rates listed above are our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵
  • 2APR = Annual Percentage Rate. The Platinum Rewards credit card is an adjustable rate card and the rate is subject to change without prior notice. Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle.
    After that your APR will be 13.00% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 13.00% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 18.00% APR. Refer to the “Mastercard Application and Solicitation Disclosure" and the “Mastercard Agreement” for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time.↵

Table data for Recreational Vehicle - Fixed Rate
 Effective 01/06/2025
Term New
APR as low as1		 Used
APR as low as1		 Alert Me
12 to 48 months 6.50% 6.50% Receive a notification when this rate changes
49 to 84 months 7.50% 7.50% Receive a notification when this rate changes
Up to 125% MSRP/NADA - For RVs 2019 RV’s are: Motorhomes, Travel Trailer, Campers, Van Conversions, & Trailer.

Used RVs must be seven years old or newer and not to exceed 100,000 miles.

Representative Example: A $25,000 loan financed at 6.50% APR1 for 48 months would result in 48 payments of $593.19. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available for vehicles seven years old or newer and with less than 100,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Table data for Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old)
 Effective 01/06/2025
Term New
APR as low as1		 Used
APR as low as1		 Alert Me
Up to 24 months 6.00% 6.00% Receive a notification when this rate changes
Up to 36 months 6.50% 6.50% Receive a notification when this rate changes
Up to 48 months 7.50% 7.50% Receive a notification when this rate changes
Up to 60 months 8.00% 8.00% Receive a notification when this rate changes
Up to 72 months 8.50% 8.50% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 8.00% APR1 for 60 months would result in 60 payments of $507.26. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available for vehicles five years old or newer and with less than 50,000 miles. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Table data for Personal Loan
 Effective 01/06/2025
Term APR As Low As1 Alert Me
Up to 60 months 11.99% Receive a notification when this rate changes
Representative Example: A $10,000 loan financed at 11.99% APR1 for 60 months would result in 60 payments of $222.48. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Table data for Personal Line of Credit
 Effective 01/06/2025
Term APR as low as1 Alert Me
Open-ended 12.90% Receive a notification when this rate changes
"As low as" rate listed above is our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. Line of Credit minimum monthly payment is based on an amortization of up to 60 months. A typical $2,000 Line of Credit financed at 12.90% would result in a monthly payment of $45.42. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Table data for Certificate Secured Loan
 Effective 01/06/2025
Term APR1 Alert Me
Up to 60 months - due at maturity of certificate 2.00% above earned rate on certificate Receive a notification when this rate changes
Representative Example: A $1,000 loan financed at 4.716% for 12 months would result in 12 payments of $85.50. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Mortgage & Home Equity Rates

Table data for Mortgage Rates
 Effective 4/16/2024
Loan Type Rate As Low As APR As Low As1 Points Monthly Payment Per $1000 Borrowed Alert Me
30-Year Fixed - Conforming 6.500% 6.593% 0.000% $6.32 Receive a notification when this rate changes
30-Year Fixed - High Balance 6.625% 6.694% 0.000% $6.40 Receive a notification when this rate changes
20-Year Fixed - Conforming 6.000% 6.115% 0.000% $7.16 Receive a notification when this rate changes
15-Year Fixed - Conforming 5.750% 5.890% 0.000% $8.30 Receive a notification when this rate changes
10-Year Fixed - Conforming 5.625% 5.821% 0.000% $10.91 Receive a notification when this rate changes
5/5 ARM - Conforming2 7.000% 7.201% 1.000% $6.65 Receive a notification when this rate changes
5/5 ARM - High Balance2 7.250% 7.430% 1.000% $6.82 Receive a notification when this rate changes
5/6 ARM - Conforming2 7.250% 7.354% 0.000% $6.82 Receive a notification when this rate changes
Loan rates are based on term and applicant credit history. All loans are subject to credit approval, Loan-To-Value (LTV) requirements, and all other Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Loans are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, Utah, and Washington. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵
  • 2ARM = Adjustable Rate Mortgage. Adjustable Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase after the initial fixed rate period.↵

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied
 07-03-2025
Loan to Value (LTV) Margin Intro APR As Low As1 Standard APR As Low As2 Maximum APR Amount Financed Lender Closing Costs3 Alert Me
80% or less 0.000% to 3.500% 4.990% 7.500% 18.000% $10,000 - $250,000 $0 Receive a notification when this rate changes
80% or less 0.250% to 1.500% 4.990% 7.750% 18.000% $250,001 - $500,0004 $0 Receive a notification when this rate changes
The Gain Advantage Home Equity Line of Credit is an adjustable rate loan subject to change. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates and payments are based on the current margin and index rate. Index is WSJ prime rate. Rate subject to change quarterly. Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap.
Payment Example: Loan for $150,000 based on a 70% Loan To Value (LTV) with a margin of 0.250% and an index of 8.500% equals an interest rate of 8.750% with a payment of $1,499.17 per month.
The current non-introductory rate of 7.500% APR, which is accurate as of 07-03-2025 and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 80% and maximum loan amount of $150,000.
Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate The 4.99% Annual Percentage Rate is an introductory rate valid for the first 6 billing cycles from account opening after which the APR will adjust to a variable rate based on the Prime Rate (the Index) as published in the Wall Street Journal, plus the margin and is subject to change quarterly thereafter. The maximum APR will not exceed 18.00%. Draws must occur within the promotional period to qualify for the promo rate. New HELOCs and primary residences only. Minimum and maximum loan amounts apply. Subject to credit approval and Gain FCU policies and procedures. Membership is required to obtain a HELOC. Offer is valid for a limited time and is subject to change without prior notice.↵
  • 2APR = Annual Percentage Rate↵
  • 3Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.↵
  • 4Not all applicants will qualify for the maximum limit of $500,000.↵

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Non-Owner Occupied
 07-03-2025
Loan to Value (LTV) Margin APR As Low As1 Maximum APR Amount Financed2 Lender Closing Costs3 Alert Me
80% or less 0.500% to 1.250% 8.000% 18.000% Up to $100,000 $0 Receive a notification when this rate changes
The Gain Advantage Home Equity Line of Credit is an adjustable rate loan subject to change. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates and payments are based on the current margin and index rate. Index is WSJ prime rate. Rate subject to change quarterly.
Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap.
Payment Example: Loan for $100,000 based on a 70% Loan To Value (LTV) with a margin of .500% and an index of 8.500% equals an interest rate of 9.000% with a payment of $1,014.27 per month.
The current non-introductory rate of APR, which is accurate as of 07-03-2025, and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 80% and maximum loan amount of $100,000.
Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵
  • 2The minimum credit limit is $10,000 and the maximum is $100,000. Restrictions apply. See Credit Union for full details.↵
  • 3Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.↵

Table data for Express Home Equity Loan - Fixed Rate - Owner Occupied
 Effective 01/16/2024
Term APR As Low As1 Amount2 Lender Closing Costs3 Alert Me
60 months 7.2500% Up to $150,000 $0 Receive a notification when this rate changes
Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Maximum rate 16.00%
Single Family Residence Only
California, Arizona, and Nevada Only
Payments on a home equity loan at 7.250% APR for 60 months are $19.92 per $1,000 borrowed. Representative example assumes a loan amount of $150,000.
Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵
  • 280% LTV or less, for loan amounts up to $150,000. Rates on loan amounts up to $250,000 may vary. Restrictions apply. See Credit Union for full details.↵
  • 3Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.↵

Checking, Savings & Money Market Rates

Table data for Money Market
 Effective 05/01/2025
Balance Amount Dividend Rate APY1 Alert Me
$2,500 to $9,999.99 0.747% 0.75% Receive a notification when this rate changes
$10,000 to $49,999.99 0.896% 0.90% Receive a notification when this rate changes
$50,000 to $99,999.99 1.094% 1.10% Receive a notification when this rate changes
$100,000 + 1.391% 1.40% Receive a notification when this rate changes
Annual Percentage Yield may change without prior notice. Minimum balance to open and ear APY is stated above. Dividends are calculated on actual daily balances, compounded daily and paid monthly into Money Markey Savings Account. Six withdrawals allowed per month.
  • 1APY = Annual Percentage Yield↵

Table data for Savings Account
 Effective 01/01/2023
Minimum Opening Balance Minimum Balance to Earn Dividends Balance Dividend Rate APY1 Alert Me
$5.00 $100.00 $0 - $99 0.000% 0.00% Receive a notification when this rate changes
$100 and above 0.250% 0.25% Receive a notification when this rate changes
Rates on savings, money market, and checking accounts are variable and may change after the account is opened.
  • 1APY = Annual Percentage Yield↵

Table data for Checking Account
 Effective 02/01/2021
Account Name Minimum Opening Balance Dividend Rate APY1 Alert Me
Better Checking $0.00 0.995% 1.00% Receive a notification when this rate changes
Rates are subject to change without prior notice. Rates on savings, money market, and checking accounts are variable and may change after the account is opened.
  • 1APY = Annual Percentage Yield. To qualify for dividends member must conduct 15 signature or PIN-based debit card transactions per month, have a minimum of $500.00 in Direct Deposit each month, receive eStatements (Online Banking required), have an active email address, and use Online Bill Pay to pay at least 5 bills per month to earn the stated dividend. Dividends paid on balances up to $10,000.↵

Certificate & IRA Rates

Table data for Certificates and IRA Certificate
 05/01/2025
Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 6 months 3.251% 3.30% Receive a notification when this rate changes
$1,000 12 months 3.154% 3.20% Receive a notification when this rate changes
$1,000 24 months 3.105% 3.15% Receive a notification when this rate changes
$1,000 36 months 3.154% 3.20% Receive a notification when this rate changes
$1,000 48 months 3.251% 3.30% Receive a notification when this rate changes
$1,000 60 months 3.348% 3.40% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$25,000 6 months 3.300% 3.35% Receive a notification when this rate changes
$25,000 12 months 3.203% 3.25% Receive a notification when this rate changes
$25,000 24 months 3.154% 3.20% Receive a notification when this rate changes
$25,000 36 months 3.251% 3.30% Receive a notification when this rate changes
$25,000 48 months 3.300% 3.35% Receive a notification when this rate changes
$25,000 60 months 3.348% 3.40% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$50,000 12 months 3.348% 3.40% Receive a notification when this rate changes
$50,000 24 months 3.251% 3.30% Receive a notification when this rate changes
$50,000 36 months 3.300% 3.35% Receive a notification when this rate changes
$50,000 48 months 3.348% 3.40% Receive a notification when this rate changes
$50,000 60 months 3.397% 3.45% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$100,000 12 months 3.445% 3.50% Receive a notification when this rate changes
$100,000 24 months 3.300% 3.35% Receive a notification when this rate changes
$100,000 36 months 3.348% 3.40% Receive a notification when this rate changes
$100,000 48 months 3.445% 3.50% Receive a notification when this rate changes
$100,000 60 months 3.494% 3.55% Receive a notification when this rate changes
Rates are subject to change without prior notice. Dividends are compounded and credited monthly. Early withdrawal penalties may apply and may reduce earnings and principal. Membership with Gain FCU is required. Certificate will renew as stated in our Truth in Savings Agreement.
  • 1APY = Annual Percentage Yield↵

Table data for Level Up 12-Month Certificate
 Effective 06/24/2025
Minimum Opening Deposit Term Dividend Rate APY1 Alert Me
$25 12 months 2.227% 2.25% Receive a notification when this rate changes
You must maintain a minimum daily balance of $25 with a maximum of $10,000 in the account to obtain the Annual Percentage Yield and to avoid closure. You may make additional deposits of any amount at any time during the term of your certificate.

You may take one (1) penalty-free withdrawal during the term of the certificate. If you exceed the withdrawal limitations, your account will be subject to a penalty.

Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned, and unearned dividends with a maximum of 180. Accounts will mature as reflected on the Share Certificate and Account Agreement.
  • 1APY = Annual Percentage Yield↵

Table data for Bump Certificate
 Effective 05/08/2023
Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 18 months 2.472% 2.50% Receive a notification when this rate changes
$1,000 30 months 2.716% 2.75% Receive a notification when this rate changes
$25,000 18 months 2.716% 2.75% Receive a notification when this rate changes
$25,000 30 months 2.960% 3.00% Receive a notification when this rate changes
$50,000 18 months 2.960% 3.00% Receive a notification when this rate changes
$50,000 30 months 3.445% 3.50% Receive a notification when this rate changes
You can "bump" your certificate rate to a higher rate once during the term of your certificate. When rates increase on certificates corressponding in term and dollar amount to your certiciate, you can exercise your bump-up option to increase your rate. Rate will only be bumped at the written or oral request of the member. Doing so does not affect the term or maturity of your certificate. There is no penalty for exercising your bump-up option. It is your responsibility to contact the Credit Union for rate information. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
  • 1APY = Annual Percentage Yield↵

Table data for Savings Plus Certificate
 Effective 05/08/2023
Minimum Balance Term Dividend Rate APY1 Alert Me
$25.00 12 months 1.982% 2.00% Receive a notification when this rate changes
Must set up a minimum $25.00 deposit to be automatically transferred into your certificate each month. Minimum $25.00 deposit required. Minimum $25.00 monthly deposit by Automate Clearing House (ACH), or other Credit Union initiated automatic transfer required. Additional deposits allowed in any amount at any time during the term. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.
  • 1APY = Annual Percentage Yield↵

Table data for Flexible Certificate and Flexible IRA Certificate
 Effective 05/08/2023
Minimum Opening Deposit Term Dividend Rate APY Alert Me
$1,000 12 months 2.227% 2.25% Receive a notification when this rate changes
$1,000 24 months 2.472% 2.50% Receive a notification when this rate changes
Two additional deposits and two withdrawals are allowed with no penalty per 12-month period. Deposits must be a minimum of $500 and not exceed amount of initial deposit certificate. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, early withdrawal penalties will apply. Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned dividends with a maximum of 180 days for terms of 12 months or greater and 90 days for terms under 12 months. Accounts will mature as reflected on the Share Certificate and Account Agreement.

Table data for Individual Retirement Account (IRA) Savings
 Effective 01/01/2023
Balance Dividend Rate APY1 Alert Me
$0 - $9,999 0.250% 0.25% Receive a notification when this rate changes
$10,000 - and above 0.499% 0.50% Receive a notification when this rate changes
A penalty may be imposed for early withdrawal.

Maintenance or activity fees could reduce the earnings on the account.
  • 1APY = Annual Percentage Yield↵