Current Rates
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Loan Rates
Recreational Vehicles
Recreational Vehicles
Effective Date: Saturday, February 22nd, 2025
| Term | Interest Rate | APR*** | Payments per $1,000/month |
|---|---|---|---|
| 36 Months | as low as 6.25% | 6.25% | $32.55 |
| 48 Months | as low as 6.75% | 6.75% | $23.84 |
| 60 Months | as low as 6.75% | 6.75% | $19.69 |
| 72 Months | as low as 7.00% | 7.00% | $17.06 |
| 84 Months | as low as 7.00% | 7.00% | $15.10 |
| 96 Months | as low as 7.50% | 7.50% | $13.89 |
| 120 Months | as low as 8.00% | 8.00% | $12.14 |
| 144 Months | as low as 8.00% | 8.00% | $10.97 |
| 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
Home Equity Line of Credit
Effective Date: Saturday, February 22nd, 2025
| Type | Interest Rate | APR | Current Rate |
|---|---|---|---|
| Variable | Prime +0.00% | Prime +0.00% | 8.00% |
| 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
Tractor & Farm Equipment
Effective Date: Saturday, February 22nd, 2025
| Term | Interest Rate | APR*** | Payments per $1,000/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. | |||
Used Autos - 2013 & Older
Used Autos - 2013 & Older
Effective Date: Saturday, February 22nd, 2025
2013 and older will be financed at the unsecured rate.
| Term | Interest Rate | APR | Payments per $1,000/month |
|---|---|---|---|
| 24 Months | as low as 10.00% | 10.50% | $46.15 |
| 36 Months | as low as 10.50% | 10.50% | $32.51 |
| 48 Months | as low as 11.50% | 11.50% | $26.09 |
| 60 Months | as low as 12.50% | 12.50% | $22.50 |
Used Autos - 2014 - 2018
Used Autos - 2014 - 2018
Effective Date: Saturday, February 22nd, 2025
| Term | Interest Rate | APR*** | Payments per $1,000/month |
|---|---|---|---|
| 36 Months | as low as 6.25% | 6.25% | $30.27 |
| 48 Months | as low as 7.00% | 7.00% | $23.96 |
| Maximum Loan to Value of 90%. Mileage cap of 150,000 miles .Must add GAP if financing over MSRP or NADA | |||
New & Used Autos - 2019 & Newer
New & Used Autos - 2019 & Newer
Effective Date: Saturday, February 22nd, 2025
| Term | Interest Rate | APR*** | Payments per $1,000/month |
|---|---|---|---|
| 12 Months | as low as 5.50% | 5.50% | $85.86 |
| 24 Months | as low as 5.50% | 5.50% | $44.11 |
| 36 Months | as low as 5.50% | 5.50% | $30.21 |
| 48 Months | as low as 5.75% | 5.75% | $23.18 |
| 60 Months | as low as 5.75% | 5.75% | $19.23 |
| 72 Months* | as low as 6.00% | 6.00% | $16.58 |
| 84 Months** | as low as 6.50% | 6.50% | $14.86 |
| *72 Month Term only available for autos 2020 & newer. **84 month term only available to autos 2021 & 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. | |||
Unsecured Loans
Unsecured Loans
Effective Date: Saturday, February 22nd, 2025
| Term | Interest Rate | APR | Payments per $1,000/month |
|---|---|---|---|
| 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% | 11.50% | $26.09 |
| 60 Months | as low as 12.50% | 12.50% | $22.50 |
Credit Builder
Credit Builder
Effective Date: Saturday, February 22nd, 2025
| Term | Loan Amount | APR | Monthly Payment |
|---|---|---|---|
| 12 Months | $500.00 | 8.35% | $43.58 |
| 12 Months | $1,000.00 | 8.35% | $87.14 |
| 12 Months | $1,500.00 | 8.35% | $130.71 |
| All proceeds held on deposit until loan is repaid in full. See Loan Officer for more details. | |||
Deposit Rates
Deposit Accounts
Deposit Accounts
Effective Date: Saturday, February 22nd, 2025
Minimum Deposit to earn Dividends: $25.00
| Name | APR | APY |
|---|---|---|
| Share | .05 | 0.05% |
| Clubs | .05 | 0.05% |
Money Market
Money Market
Effective Date: Saturday, February 22nd, 2025
Minimum Deposit to earn Dividends: $2000.00
| Amount | APR | APY |
|---|---|---|
| $1,000 - $2,000 | 1.70% | 1.71% |
| $2,000 - $20,000 | 2.25% | 2.27% |
| $20,000 - $75,000 | 2.50% | 2.53% |
| $75,000+ | 2.75% | 2.78% |
IRA & Share Certificates of Deposit
IRA & Share Certificates of Deposit
Effective Date: Saturday, February 22nd, 2025
Minimum Deposit to earn Dividends: $1000.00
| Term | APR | APY |
|---|---|---|
| 1 Year | 3.85% | 3.92% |
| 2 Year | 3.85% | 3.92% |
| 3 Year | 3.80% | 3.87% |
| 4 Year | 3.80% | 3.87% |
| 5 Year | 3.80% | 3.87% |
