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Loan Rates

New & Used Autos - 2016 & Newer

Interest rates effective November 8, 2022
Term
Interest Rate
Annual Percentage Rate***
Payments per $1,000 Per Month
12 Months as low as 4.25% 4.25% $85.23
24 Months as low as 4.25% 4.25% $43.54
36 Months as low as 4.25% 4.25% $29.64
48 Months as low as 4.50% 4.50% $22.81
60 Months as low as 4.50% 4.50% $18.65
72 Months* as low as 4.75% 4.75% $16.00
84 Months** as low as 5.50% 5.50% $14.38

*72 Month Term only available for autos 2017 & newer. **84 month term only available to autos 2020 & Newer that have less than 30,000 miles. Minimum to finance $25,000. ***100% Financing available for qualified applicants. Annual Percentage Rate based on a credit score of 750 or higher. Your individual loan rate will be based on your personal financial situation and previous credit performance.


Used Autos - 2011 - 2015

Interest rates effective November 8, 2022
Term
Interest Rate
Annual Percentage Rate
Payments per $1000 per Month
36 Months as low as 5.00% 5.00% $29.98
48 Months as low as 5.75% 5.75% $23.37

Maximum Loan to Value of 90%. Must add GAP if financing over MSRP or NADA.

Used Autos – 2010 & Older

2010 and older will be financed at the unsecured rate.


Recreational Vehicles

Interest rates effective November 8, 2022
Term
Interest Rate
Annual Percentage Rate
Payments per $1,000 per Month
36 Months as low as 4.75% 4.75% $29.86
48 Months as low as 5.25% 5.25% $23.15
60 Months as low as 5.25% 5.25% $18.99
72 Months as low as 5.50% 5.50% $16.34
84 Months as low as 5.50% 5.50% $14.38
96 Months as low as 6.00% 6.00% $13.15
120 Months as low as 6.25% 6.25% $11.23
144 Months as low as 7.25% 7.25% $10.42

10 year minimum loan $15,000-$20,000/12 year minimum loan $20,000-$30,000/15 year loan $30,000


Home Equity Line of Credit

Interest rates effective November 8, 2022
Type
Interest Rate
Annual Percentage Rate
 Current Rate
Variable Prime + 0.00% Prime + 0.00% 6.25%

Great Falls Federal Credit Union Home Equity Line of Credit is a variable rate loan of Prime plus 0% APR. If prime were to drop below 4.00% APR* the minimum (floor) rate would be at 4.00% APR*. The Annual Percentage Rate is based on Wall Street Prime rate effective 45 days prior to each quarter change date.

Flood insurance is required when applicable. Average closing costs typically includes the appraisal fee, attorney fees, recording fees, flood certification and check fees. You should consult your tax advisor regarding the deductibility of interest and fees. Financing is based on 80% of the home value. Excludes manufactured home and is only available for primary residences within 50 miles of our field of membership. Membership is required.


Tractor & Farm Equipment

Interest rates effective November 8, 2022
Term
Interest Rate
Annual Percentage Rate
Payments per $1,000 per Month
48 Months as low as 6.50% 6.50% $23.72
60 Months as low as 7.00% 7.00% $19.81
72 Months as low as 7.25% 7.25% $17.18
84 Months as low as 7.50% 7.50% $15.34
96 Months as low as 8.50% 8.50% $14.40

Please call for rates and terms for 10 or more years for tractors and equipment loans.


Unsecured Loans

Interest rates effective November 8, 2022
Term
Interest Rate
Annual Percentage Rate
Payments per $1,000 per Month of Repayment
24 Months as low as 10.00% 10.00% $46.15
36 Months as low as 10.50% 10.50% $32.51
48 Months as low as 11.50% 11.500% $26.09
60 Months as low as 12.50% 12.50% $22.50