Loan Rates

Consumer Loan Rates

Current as of July 19, 2023

The rates listed below are the lowest rate offered.  Your rate will be determined by your credit history.  Rates, terms and conditions are subject to change – Interest rate listed is the annual percentage rate (APR).

Loan Type

Annual % Rate – Loan Terms

 New Auto Rates

6.5% – up to 48 months

6.75% – 49-60 months

7.25% – 61-72 months

7.75% – 73-84 months

 Used Auto Rates

7.50% – up to 48 months

7.75% – 49-60 months

8.25% – 61-72 months

8.75% – 73-84 months

New Electric/Hybrid Vehicles

 

6.00% – up to 48 months

6.25% – 49-60 months

6.75% – 61-72 months

7.25% – 73-84 months

Used Electric/Hybrid Vehicles

 

6.50% – up to 48 months

6.75% – 49-60 months

7.25% – 61-72 months

7.75% – 73-84 months

New RV Rates

 

9.00% – up to 72 months

10.00% – 73-144 months

Used RV Rates

10.00% – up to 72 months

11.00% – 73-144 months

New/Used Motorcycles

 

9.50% – up to 36 months

10.50% – 37-48 months

11.50% – 49-60 months

12.50% – 61-72 months 

Christmas & Tax Loan

as low as 10.00% up to 12 months

Signature Loan
($15,000 maximum)
as low as 10.00% up to 48 months
Overdraft Line Loans

15% – Minimum payment of $35 or 3% Balance
($1,000.00 maximum)

Visa Lines of Credit

($10,000 Maximum)

as low as 9.99% – Minimum payment of $35 or 3% Balance

Share Secured Visa

($10,000 Maximum)

17.99% – Minimum payment of $35 or 3% Balance
Direct Deposit Loan
18% – up to 8 months
($1,500.00 maximum)
Share Secured

(90% of Share Balance)

3.00% – up to 72 months
Certificate Secured

(90% of Certificate Balance)

Certificate Rate plus 3% – Term of Certificate
Education Loans
The rates listed are the lowest rate offered.  All rates will be determined by the borrower’s credit and ability to pay the loan.  All loans are subject to credit approval.  All loan rates are subject to change without notice.  All Auto, RV, Motorcycle loans are subject to eligibility requirements.  The word “Term” refers to the number of months for the loan to be repaid. 

Contact Credit Union for the most up to date rates and information.

Additional discounts may apply for auto transfer from GVFCU checking account and direct deposit.  Call credit union for full details.

Please download, fill out and save this form, then email it to [email protected]
Or fax to (209)825-8162 Attn: Loan Department

 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration,
A U.S. Government agency

409 West Center Street
Manteca, CA  95336
Phone: 209.825.5878