GraCo FCU hours:
Monday, Tuesday, Thursday
9:00am - 5:30pm
Wednesday 10:00am - 5:30pm
Friday 9:00am - 7:00pm
Saturday 9:00am - 12:00pm
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Calculators Loan Rates Deposit Rates Fee Schedule
Effective as of: 03/22/2024
| Unsecured Loans-A plus Rates Listed | |||
| Term | A.P.R. | Notes | |
| 12 months | .....9.00% | ||
| 13-36 months | .....10.00% | Maximum Signature Loan Per Member $20,000 | |
| 37-60 months | .....10.50% | ||
| Auto/Motorcycle Loans-A plus Rates Listed (Contact the credit union for older models or for rates, terms, and down payment requirements on vehicles exceeding 100,000 miles.) | |||
| Type | Term | A.P.R. | Notes |
| 2020 and Newer | .....up to 60 Months | .....6.50% | |
| 2020 and Newer | .....61-72 Months | .....6.75% | |
| 2020 and Newer | .....73-84 Months | .....7.20% | $25,000 minimum loan amount |
| 2023 and Newer | .....85-96 Months | .....9.00% | $45,000 minimum loan amount. Minimum 10% down required. |
| 2015-2019 | .....up to 36 Mo | .....6.25% | |
| 2015-2019 | .....37-60 Months | .....6.75% | |
| 2015-2019 | .....61-72 Months | .....7.50% | $15,000 minimum loan amount |
| 2014 and Older | .....up to 36 Mo | .....7.75% | |
| 2014 and Older | .....37-60 Months | .....10.00% | $10,000 minimum loan amount |
| 2014 and Older | .....61-72 Months | .....13.00% | $25,000 minimum loan amount. 20% down required. |
| Recreational Vehicle Loans - A plus Rates Listed | |||
| Current year models and up to 9 years old only. Older models at signature loan rates. | |||
| Includes Motor Homes, Travel Trailers, Campers, Boats, and livestock trailers with living quarters | |||
| Type | Term | A.P.R. | Notes |
| Up to 60 month term | Add 1% to the 60 month auto loan rate | ||
| Up to 84 month term | Add 2% to the 84 month auto loan rate | .......$18,000.00 minimum loan amount for this term | |
| Up to 120 month term | Add 3% to the 96 month auto loan rate | .......$25,000.00 minimum loan amount for this term | |
| Share Secured | |||
| Type | A.P.R. | ||
| Secured by Shares | 2.5% Above Share Dividend Rate | ||
| Secured by CD | 2% Above Share Certificate Rate | ||
| Specialty Loans - A plus Rates Listed | |||
| Includes snowmobiles, 4 wheelers, dirt bikes, golf carts (including road ready), personal watercraft, lawn tractors, farm tractors, dump trucks, utility/side by side vehicles, and hauling / livestock trailers with no living quarters | |||
| Current year models and up to 9 years old only. Older models at signature loan rates. Credit union must be able to establish a value. Appraisal from a dealer may be required. | |||
| Type | Term | A.P.R. | Notes |
| Up to 60 month term | Add 2.5% to the 60 month auto loan rate | ||
| Up to 84 month term | Add 3.5% to the 84 month auto loan rate | .......Minimum loan amount is $25,000 | |
| Up to 120 month term | Add 4.5% to the 96 month auto loan rate | .......Minimum loan amount is $35,000 | |
| Home Equity Loans - A plus Rates Listed | |||
| Type | Term | A.P.R. | Notes |
| Closed-End H/E | Up to 60 Months | 7.00% Fixed | 75,000.00 maximum. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates. |
| 61-84 Months | 7.00% Fixed | ||
| GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387 | |||
| 85-120 Months | 7.75% Fixed | ||
| 121-180 Months | 8.75% Fixed | ||
| HELOC (Line of Credit) | Up to 180 Months | Call for Current Rates | |