Rates
Auto, Credit Card & RV Rates
| Term | Standard APR As Low As1 | No Payments for 90 Days2 |
|---|---|---|
| 24 months | 4.50% | |
| 36 months | 4.75% | |
| 48 months | 5.00% | |
| 60 months | 5.00% | |
| 72 months | 5.50% | |
| 84 months | 6.00% | |
| 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. |
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| Term | APR As Low As1 |
|---|---|
| 24 Months | 5.75% |
| 36 Months | 5.75% |
| 48 Months | 6.00% |
| 60 Months | 6.25% |
| 72 months | 6.75% |
| 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. |
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| Cards | APR As Low As1 | Maximum APR1 |
|---|---|---|
| Platinum Rewards Mastercard (introductory) | 1.99%2 | 1.99% |
| Platinum Rewards Mastercard (non-introductory) | 13.00%2 | 18.00% |
| Classic Mastercard | 10.90% | 18.00% |
| Secured Mastercard | 10.90% | 18.00% |
| "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. | ||
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| Term | New APR as low as1 |
Used APR as low as1 |
|---|---|---|
| 12 to 48 months | 6.50% | 6.50% |
| 49 to 84 months | 7.50% | 7.50% |
| 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. |
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| Term | New APR as low as1 |
Used APR as low as1 |
|---|---|---|
| Up to 24 months | 6.00% | 6.00% |
| Up to 36 months | 6.50% | 6.50% |
| Up to 48 months | 7.50% | 7.50% |
| Up to 60 months | 8.00% | 8.00% |
| Up to 72 months | 8.50% | 8.50% |
| 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. | ||
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| Term | APR As Low As1 |
|---|---|
| Up to 60 months | 11.99% |
| 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. | |
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| Term | APR as low as1 |
|---|---|
| Open-ended | 12.90% |
| "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 12.90% would result in a monthly payment of $45.42. No prepayment penalty. | |
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| Term | APR1 |
|---|---|
| Up to 60 months - due at maturity of certificate | 2.00% above earned rate on certificate |
| Representative Example: A $1,000 loan financed at 4.716% for 12 months would result in 12 payments of $85.50. No prepayment penalty. | |
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