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

Rates

Auto, Credit Card & RV Rates

Table data for Car, Truck, and SUV. Excluding Cargo Van - Fixed Rate ( New to Four Years Old )
 Effective 03/27/2023
Term New or Used Vehicle
APR As Low As1		 Refinancing APR for
GainFCU Loans As Low As1		 No Payments for 90 Days2 For Van Conversions refer to RV loan Rates Alert Me
24 months 4.99% ✓ Receive a notification when this rate changes
36 months 4.99% ✓ Receive a notification when this rate changes
48 months 5.25% ✓ Receive a notification when this rate changes
60 months 5.49% ✓ Receive a notification when this rate changes
72 months 5.99% ✓ Receive a notification when this rate changes
84 months 6.50% ✓ Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 6.50% APR1 for 84 months would result in 84 payments of $371.38. 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 that are four years old or newer and that have less than 125,000 miles. No prepayment penalty. Excluding Cargo Vans, for Van Conversions refer to RV loan Rates. "As low as" rates listed are our best fixed rates on approved credit. The actual interest rate offered may be higher depending upon the 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.
  • 1APR = Annual Percentage Rate. This is a promotional rate. This promotional rate applies to loans that are new to Gain FCU. Refinances of existing Gain FCU loans are not eligible for this rate. All rates are subject to change without prior notice.↵
  • 2APR = Annual Percentage Rate↵

Table data for Car, Truck, and SUV. Excluding Cargo Vans - Fixed Rate ( Five to Eight Years Old )
 Effective 03/27/2023
Term New Vehicle
APR as low as1		 Used Vehicle
APR as low as1		 Alert Me
24 Months 5.00% 5.00% Receive a notification when this rate changes
36 Months 5.50% 5.50% Receive a notification when this rate changes
48 Months 6.00% 6.00% Receive a notification when this rate changes
60 Months 6.50% 6.50% Receive a notification when this rate changes
72 months 7.50% 7.50% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 6.50% APR1 for 60 months would result in 60 payments of $489.32. 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 to eight years old and with less than 180,000 miles. Excluding Cargo vans and for Van Conversions please refer to RV Loan Rates. "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.
  • 1APR = Annual Percentage Rate↵

Table data for Mastercard Credit Cards
 Effective 05/03/2023
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) 13.75%2 18.00% Receive a notification when this rate changes
Classic Mastercard 9.90% 18.00% Receive a notification when this rate changes
Secured Mastercard 9.90% 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↵
  • 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 13.75% to 18.00% 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 13.75% to 18.00% 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. No prepayment penalty.

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Table data for Recreational Vehicle - Fixed Rate
 Effective 02/06/2023
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 2017 RV’s are: Motorhomes, Travel Trailer, Camper, Van Conversions, Boat & Trailer, Watercraft & 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 $592.81. 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 02/06/2023
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 $506.85. 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 1/03/2023
Term APR As Low As1 Alert Me
Up to 60 months 9.99% Receive a notification when this rate changes
Representative Example: A $10,000 loan financed at 9.99% APR1 for 60 months would result in 60 payments of $212.09. 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 1/03/2023
Term APR as low as1 Alert Me
Open-ended 9.90% 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 9.90% would result in a monthly payment of $42.42. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Table data for Certificate Secured Loan
 Effective 08/01/2020
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 2.30% for 12 months would result in 12 payments of $85.00. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵

Mortgage & Home Equity Rates

Table data for Mortgage Rates
 Effective 05/25/2023
Loan Type Rate As Low As APR As Low As1 Points Monthly Payment Per $1000 Borrowed Alert Me
30-Year Fixed - Conforming 6.125% 6.213% 0.000% $6.08 Receive a notification when this rate changes
30-Year Fixed - High Balance 6.875% 6.948% 0.000% $6.57 Receive a notification when this rate changes
20-Year Fixed - Conforming 5.875% 5.988% 0.000% $7.09 Receive a notification when this rate changes
15-Year Fixed - Conforming 5.500% 5.636% 0.000% $8.17 Receive a notification when this rate changes
5/5 ARM - Conforming2 6.250% 6.436% 1.000% $6.16 Receive a notification when this rate changes
5/5 ARM - High Balance2 6.500% 6.665% 1.000% $6.32 Receive a notification when this rate changes
5/6 ARM - Conforming2 6.500% 6.593% 0.000% $6.32 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
 05-30-2023
Loan to Value (LTV) Margin APR As Low As1 Maximum APR Amount Financed2 Lender Closing Costs3 Non-Introductory Rate Alert Me
80% or less 0.000% to 3.500% 1.990%4 18.000% Up to $150,000 $0 8.000% Receive a notification when this rate changes
80% or less 0.250% to 3.750% 1.990%4 18.000% $150,001 - $250,000 $0 8.250% 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 8.000% equals an interest rate of 8.250% with a payment of $1,455.21 per month.
The current non-introductory rate of 8.000% APR, which is accurate as of 05-30-2023 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, 1-4 units and condominiums (member primary residence)
California, Arizona and Nevada Only
Not all applicants will qualify.
No prepayment penalty.
Gain Federal Credit Union NMLS #407810
  • 1APR = Annual Percentage Rate↵
  • 2The minimum credit limit is $10,000 and the maximum is $250,000. 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.↵
  • 4The 1.990% APR is an introductory discounted rate for a period of six billing cycles, after which the APR will increase to the current fully indexed rate of Prime Rate (the Index) plus your Margin and is subject to change quarterly thereafter. Rate and payments are based on the current margin and index rate. Index is WSJ prime rate plus margin.↵

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Non-Owner Occupied
 05-30-2023
Loan to Value (LTV) Margin APR As Low As1 Maximum APR Amount Financed2 Lender Closing Costs3 Non-Introductory Rate Alert Me
80% or less 0.500% to 1.250% 1.990%4 18.000% Up to $100,000 $0 8.000% 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 8.000% equals an interest rate of 8.500% with a payment of $984.74 per month.
The current non-introductory rate of 8.000% APR, which is accurate as of 05-30-2023, 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 years 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
Gain Federal Credit Union NMLS #407810
  • 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.↵
  • 4The 1.990% APR is an introductory discounted rate for a period of six billing cycles, after which the APR will increase to the current fully indexed rate of Prime Rate (the Index) plus your Margin and is subject to change quarterly thereafter. Rate and payments are based on the current margin and index rate. Index is WSJ prime rate plus margin.↵

Table data for Express Home Equity Loan - Fixed Rate - Owner Occupied
 Effective 04/01/2023
Term APR As Low As1 Amount2 Lender Closing Costs3 Alert Me
60 months 5.500% 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 5.500% APR for 60 months are $19.10 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 05/08/2023
Balance Amount Dividend Rate APY1 Alert Me
$2,500 to $9,999.99 0.797% 0.80% Receive a notification when this rate changes
$10,000 to $49,999.99 0.995% 1.00% 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 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 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 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 Certificates and IRA Certificate
 Effective 05/08/2023
Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 6 months 2.472% 2.50% Receive a notification when this rate changes
$1,000 12 months 2.716% 2.75% Receive a notification when this rate changes
$1,000 24 months 2.960% 3.00% Receive a notification when this rate changes
$1,000 36 months 3.203% 3.25% Receive a notification when this rate changes
$1,000 48 months 3.348% 3.40% Receive a notification when this rate changes
$1,000 60 months 3.542% 3.60% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$25,000 6 months 2.716% 2.75% Receive a notification when this rate changes
$25,000 12 months 2.960% 3.00% Receive a notification when this rate changes
$25,000 24 months 3.203% 3.25% Receive a notification when this rate changes
$25,000 36 months 3.348% 3.40% Receive a notification when this rate changes
$25,000 48 months 3.542% 3.60% Receive a notification when this rate changes
$25,000 60 months 3.735% 3.80% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$50,000 12 months 2.960% 3.00% Receive a notification when this rate changes
$50,000 24 months 3.203% 3.25% Receive a notification when this rate changes
$50,000 36 months 3.445% 3.50% Receive a notification when this rate changes
$50,000 48 months 3.687% 3.75% Receive a notification when this rate changes
$50,000 60 months 3.832% 3.90% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$100,000 12 months 3.203% 3.25% Receive a notification when this rate changes
$100,000 24 months 3.445% 3.50% Receive a notification when this rate changes
$100,000 36 months 3.687% 3.75% Receive a notification when this rate changes
$100,000 48 months 3.832% 3.90% Receive a notification when this rate changes
$100,000 60 months 3.928% 4.00% Receive a notification when this rate changes
Certificate accounts are subject to penalties for early withdrawal. The imposed penalty for early withdrawal will be loss of accrued, earned and unearned fividends 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↵