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Rates

Auto, Credit Card & RV Rates

Table data for Car, Truck, SUV, Van - Fixed Rate ( New to Five Years Old )
 Effective 2/1/2019
Term New
APR as low as1		 Used
APR as low as1		 Alert Me
24 months 2.49% 2.49% Receive a notification when this rate changes
36 months 2.49% 2.49% Receive a notification when this rate changes
48 months 2.74% 2.74% Receive a notification when this rate changes
60 months 2.99% 2.99% Receive a notification when this rate changes
72 months 3.49% 3.49% Receive a notification when this rate changes
84 months 3.99% 3.99% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 3.99% APR1 for 84 months would result in 84 payments of $342 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 year models 2015 or newer and with less than 125,000 miles. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). 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 Auto Protection on new and used auto loans. Rates are .50% higher without AutoPay.
  • 1APR = Annual Percentage Rate↵

Table data for Car, Truck, SUV, Van - Fixed Rate ( Six to Nine Years Old )
 Effective 2/1/2019
Term New
APR as low as		 Used
APR as low as		 Alert Me
24 Months 3.49% 3.49%
36 Months 3.89% 3.89%
48 Months 4.25% 4.25%
60 Months 4.25% 4.25%
Representative Example: A $25,000 loan financed at 4.25% APR1 for 60 months would result in 60 payments of $463.22. 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 year models 2011 to 2014 and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). 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 Auto Protection on new and used auto loans. Rates are .50% higher without AutoPay.

Table data for Mastercard Credit Cards
 Effective 2/1/2019
APR As Low As1 Alert Me
Platinum Rewards Mastercard 1.99%2 Receive a notification when this rate changes
Classic Mastercard 9.90% Receive a notification when this rate changes
Secured Mastercard 9.90% 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. 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 9.90% would result in a monthly payment of $42.41.
  • 1APR = Annual Percentage Rate↵
  • 2Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non-discounted rate on the first day of the billing cycle. After that your APR will be 9.00% to 14.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Introductory rate is for purchases only. The APR for Cash Advances and Balance Transfers will be 9.50% to 14.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Refer to the “Gain Platinum Rewards, Share Secured MasterCard and MasterCard Classic Application Disclosure and Solicitation Disclosure"and the “MasterCard Agreement” for more information.

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Table data for Recreational Vehicle - Fixed Rate
 Effective 2/1/2019
Term New
APR as low as1		 Used
APR as low as1		 Alert Me
Up to 59 months 4.50% 4.50% Receive a notification when this rate changes
Up to 95 months 4.99% 4.99% Receive a notification when this rate changes
Up to 119 months 5.24% 5.24% Receive a notification when this rate changes
Up to 144 months 5.99% 5.99% Receive a notification when this rate changes
Up to 125% MSRP/NADA - For RVs

RV’s are: Motorhomes, Travel Trailer, Camper, Boat & Trailer, Watercraft & Trailer, Off Highway Vehicles

Used RV no more than seven-model years (2012) back and not to exceed 100,000 miles.

Representative Example: A $25,000 loan financed at 4.50% APR1 for 59 months would result in 59 payments of $473.16. 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 year models 2012 or newer and with less than 100,000 miles. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. Rates are .50% higher without AutoPay.
  • 1APR = Annual Percentage Rate↵

Table data for Street Legal Motorcycles, Dirt Bikes and Off-Highway Vehicles (New to 5 years old)
 Effective 2/1/2019
Term New
APR as low as1		 Used
APR as low as1		 Alert Me
Up to 24 months 4.99% 4.99%
Up to 36 months 5.49% 5.49%
Up to 48 months 5.99% 5.99%
Up to 60 months 6.49% 6.49%
Representative Example: A $25,000 loan financed at 6.49% APR1 for 60 months would result in 60 payments of $489.04. 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 year models 2014 or newer and with less than 50,000 miles. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. Rates are .50% higher without AutoPay.
  • 1APR = Annual Percentage Rate↵

Table data for Personal Loan
 Effective 2/1/2019
Term APR As Low As1 Alert Me
Up to 60 months 6.99%
Representative Example: A $10,000 loan financed at 6.99% APR1 for 60 months would result in 60 payments of $197.99. 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 and include a .50% rate discount for Automatic Payment (AutoPay). Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. Rates are .50% higher without AutoPay. Personal Line of Credit loans not subject to rate adjustments for cash or automatic payment.
  • 1APR = Annual Percentage Rate↵

Table data for Personal Line of Credit
 Effective 2/1/2019
Term APR as low as1 Alert Me
Open-ended 9.90%
"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 9.90% would result in a monthly payment of $42.41. Personal Line of Credit loans not subject to rate adjustments for cash or automatic payment.
  • 1APR = Annual Percentage Rate↵

Table data for Certificate Secured Loan
 Effective 2/1/2019
Term APR1 Alert Me
Up to 60 months - due at maturity of certificate 2.00% above earned rate on certificate
Representative Example: A $1,000 loan financed at 7.20% for 12 months would result in 12 payments of $86.62.
  • 1APR = Annual Percentage Rate↵

Mortgage & Home Equity Rates

Table data for Mortgage Rates
 Effective 02/20/2019
Loan Type APR* Rate Points Alert Me
30-Year Fixed 4.330% 4.250% 0.00%
15-Year Fixed 3.884% 3.750% 0.00%
5/5 ARM 4.318% 3.125% 1.00%

Table data for Express Home Equity Loan - Fixed Rate - Owner Occupied
 Effective 2/1/2019
Term APR1 Alert Me
Up to 60 months 3.75%
Up to 84 months 4.25%
Up to 120 months 5.00%
180 months 5.250%
240 months 5.875%
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%

70% LTV or less, for loan amounts up to $250,000

71% to 80% LTV, for loan amounts up to $150,000

Single Family Residence Only

California, Arizona and Nevada Only

Representative example assumes a loan amount of $150,000: A 15 Year loan at 5.00% APR will have 180 monthly payments of $1,186.51.
  • 1APR = Annual Percentage Rate↵

Table data for Express Home Equity Loan - Fixed Rate - Non-Owner Occupied
 Effective 2/1/2019
Term Loan to Value (LTV) APR1 Amount Financed Alert Me
Up to 180 months 80% or less 6.250% Up to $100,000
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

Representative example assumes a loan amount of $100,000: A 15 Year loan at 7.00% APR will have 180 monthly payments of $899.21.
  • 1APR = Annual Percentage Rate↵

Table data for Equity Advantage Line of Credit - Variable Rate - Owner Occupied
 Effective 2/1/2019
Loan to Value (LTV) Margin APR1 Amount Financed Alert Me
80% or less 0.250% 2.990% to 5.750% $150,001 - $250,000
90% or less 0.000% to 2.500% 2.990 to 5.750% Up to $150,000
Index is the 26-week/6-month Treasury-Bill auction rate plus margin
Rate Caps - Floor rate of 3%, Maximum rate of 18% and no annual adjustment cap.
Payments are based on the current margin and index rate.
Payment Example: Loan for $100,000 based on a 70% Loan To Value (LTV) with a margin of 4.25% and an index of 0.08% equals an interest rate of 4.25% with a payment of $753.00 per month.
Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments.
Draw Period - 15 years draw period. After draw period ends, the repayment period begins (up to 15 years)
Loan Fees: No closing fees and no annual fees.
Single Family Residence Only
California, Arizona and Nevada Only
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.
  • 1APR = Annual Percentage Rate↵

Table data for Equity Advantage Line of Credit - Variable Rate - Non-Owner Occupied
 Effective 2/1/2019
Loan to Value (LTV) Margin APR1 Amount Financed Alert Me
80% or less 0.500% 2.99% to 6.000% Up to $100,000
Index is the 26-week/6-month Treasury-Bill auction rate plus margin
Rate Caps - Floor rate of 3%, Maximum rate of 18% and no annual adjustment cap.

Payments are based on the current margin and index rate.

Payment Example: Loan for $100,000 based on a 70% Loan To Value (LTV) with a margin of 4.75% and an index of 0.08% equals an interest rate of 4.75% with a payment of $779.0 per month.

Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments.

Draw Period – 15 years draw period. After draw period ends, the repayment period begins (up to 15 years).

Loan Fees: No closing fees and no annual fees.

Single Family Residence Only

California, Arizona and Nevada Only

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.
  • 1APR = Annual Percentage Rate↵

Checking, Savings & Money Market Rates

Table data for Money Market
 Effective 2/1/2019
Balance Amount Dividend Rate APY Alert Me
$2,500 to $9,999.99 0.349% 0.35%
$10,000 to $49,999.99 0.399% 0.40%
$50,000 to $99,999.99 0.449% 0.45%
$100,000 + 0.499% 0.50%

Table data for Savings Account
 Effective 2/1/2019
Minimum Opening Balance Minimum Balance to Earn Dividends Balance Dividend Rate APY1 Alert Me
$5.00 $100.00 0 - 99 0.000% 0.00%
100 and above 0.100% 0.10%
  • 1APY = Annual Percentage Yield↵

Table data for Saving Plus Certificate
 Effective 2/1/2019
Minimum Balance Term Dividend Rate APY1 Alert Me
$25.00 12 months 0.499% 0.50%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield↵

Table data for Checking Account
 Effective 2/1/2019
Minimum Opening Balance Dividend Rate APY1 Alert Me
Minimum Opening Balance Dividend Rate APY1 Alert Me
Better Checking2 $0.00 0.995% 1.00%
Rates are subject to change without prior notice.
  • 1APY = Annual Percentage Yield↵
  • 2To qualify for dividends: member must pay 10 bills for 2.00% APY* or 5 bills for 1.00% APY* per month with online Bill Pay, conduct 10 signature based debit card transactions per month, have a minimum of $500 in Direct Deposit each month, receive eStatements (online banking required) and have an active email address. If you do not meet the minimum qualifications of the account, your account will not earn dividends. The maximum balance to earn dividends is $10,000.↵

Certificate & IRA Rates

Table data for Balance Builder Certificate
 Effective 2/1/2019
Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 12 months 0.499% 0.50%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield↵

Table data for Bump Certificate
 Effective 2/1/2019
Minimum Balance Term Dividend Rate APY1 Alert Me
$10,000 18 months 1.045% 1.05%
$10,000 30 months 1.144% 1.15%
Minimum Balance Term Dividend Rate APY1 Alert Me
$25,000 18 months 1.094% 1.10%
$25,000 30 months 1.292% 1.30%
Minimum Balance Term Dividend Rate APY1 Alert Me
$50,000 18 months 1.292% 1.30%
$50,000 30 months 1.494% 1.50%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield↵

Table data for Certificates and IRA Certificate
 Effective 2/1/2019
Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 6 months 0.399% 0.40% Receive a notification when this rate changes
$1,000 12 months 0.499% 0.50% Receive a notification when this rate changes
$1,000 24 months 0.698% 0.70% Receive a notification when this rate changes
$1,000 36 months 0.896% 0.90% Receive a notification when this rate changes
$1,000 48 months 0.995% 1.00% Receive a notification when this rate changes
$1,000 60 months 1.094% 1.10% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$5,000 6 months 0.747% 0.75% Receive a notification when this rate changes
$5,000 12 months 0.896% 0.90% Receive a notification when this rate changes
$5,000 24 months 1.094% 1.10% Receive a notification when this rate changes
$5,000 36 months 1.884% 1.90% Receive a notification when this rate changes
$5,000 48 months 2.031% 2.05% Receive a notification when this rate changes
$5,000 60 months 2.276% 2.30% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$25,000 6 months 0.995% 1.00% Receive a notification when this rate changes
$25,000 12 months 1.243% 1.25% Receive a notification when this rate changes
$25,000 24 months 1.490% 1.50% Receive a notification when this rate changes
$25,000 36 months 1.982% 2.00% Receive a notification when this rate changes
$25,000 48 months 2.080% 2.10% Receive a notification when this rate changes
$25,000 60 months 2.374% 2.40% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$50,000 12 months 1.391% 1.40% Receive a notification when this rate changes
$50,000 24 months 1.736% 1.75% Receive a notification when this rate changes
$50,000 36 months 2.080% 2.10% Receive a notification when this rate changes
$50,000 48 months 2.178% 2.20% Receive a notification when this rate changes
$50,000 60 months 2.472% 2.50% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$100,000 12 months 1.490% 1.50% Receive a notification when this rate changes
$100,000 24 months 1.982% 2.00% Receive a notification when this rate changes
$100,000 36 months 2.178% 2.20% Receive a notification when this rate changes
$100,000 48 months 2.276% 2.30% Receive a notification when this rate changes
$100,000 60 months 2.716% 2.75% 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↵

Table data for Flexible Certificate and Flexible IRA Certificate
 Effective 2/1/2019
Minimum Opening Deposit Term Dividend Rate APY1 Alert Me
$5,000 12 months 0.698% 0.70%
$10,000 24 months 0.896% 0.90%
Additional deposits are allowed. Additions not to exceed dollar amount of initial deposit certificate. Deposit Structure - Additional deposits must be a minimum of $500. Two withdrawals are allowed without penalty. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, the penalty imposed will be loss of accrued, earned and unearned dividends with a maximum of 180 days.
  • 1APY = Annual Percentage Yield↵
Table data for Liquid Certificate
 Effective 2/1/2019
Minimum Balance Term Dividend Rate APY1 Alert Me
$5,000 7 months 0.399% 0.40%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield↵

Table data for Individual Retirement Account (IRA) Savings
 Effective 2/1/2019
Balance Dividend Rate APY1 Alert Me
$0 - $9,999 0.250% 0.25%
$10,000 - and above 0.449% 0.50%
A penalty may be imposed for early withdrawal.

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