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


Home

rates&fees

Calculators Loan Rates Deposit Rates Fee Schedule

Effective as of: 03/22/2024
Unsecured Loans-A plus Rates Listed
TermA.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 TermA.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
TypeTermA.P.R.Notes
Up to 60 month termAdd 1% to the 60 month auto loan rate
Up to 84 month termAdd 2% to the 84 month auto loan rate.......$18,000.00 minimum loan amount for this term
Up to 120 month termAdd 3% to the 96 month auto loan rate .......$25,000.00 minimum loan amount for this term
Share Secured
TypeA.P.R.
Secured by Shares2.5% Above Share Dividend Rate
Secured by CD2% 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.
TypeTermA.P.R.Notes
Up to 60 month termAdd 2.5% to the 60 month auto loan rate
Up to 84 month termAdd 3.5% to the 84 month auto loan rate.......Minimum loan amount is $25,000
Up to 120 month termAdd 4.5% to the 96 month auto loan rate.......Minimum loan amount is $35,000
Home Equity Loans - A plus Rates Listed
TypeTermA.P.R.Notes
Closed-End H/EUp to 60 Months7.00% Fixed75,000.00 maximum. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates.
61-84 Months7.00% Fixed
GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387
85-120 Months7.75% Fixed
121-180 Months8.75% Fixed
HELOC (Line of Credit)Up to 180 MonthsCall for Current Rates
Back to Top