APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 2/1/2024. Fees may reduce earnings.

Kasasa Cash Learn More

Level 1

Balance Dividend Rate APY
0 - $25,000 2.96% 3.00%
$25,000+ 0.25% 3.00 to 0.80%
All balances if qualifications not met 0.05% 0.05%

Level 2

Balance Dividend Rate APY
0 - $25,000 4.89% 5.00%
$25,000+ 0.25% 5.00 to 1.20%
All balances if qualifications not met  0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your free Kasasa® checking account each monthly qualification cycle:

Level 1

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Level 2

  • Have at least 30 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Please note that you must enroll in and receive eStatements to have this account.

*Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit card not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning with the last business day of the prior calendar month and ending with the day before the last business day of the current calendar month.  See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all its banking functions or for processing.

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25.  If January 1, July 4, November 11, or December 25 falls on a Saturday, the previous Friday is not a Business Day.  If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Statement Cycles coincide with each calendar month.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash - Level 1: average daily balances up to and including $25,000 receive an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.

Kasasa Cash - Level 2: average daily balances up to and including $25,000 receive an APY of 5.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 5.00% to 1.20% APY depending on the account's average daily balance.

Kasasa Cash Back: you will receive 2.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $5 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver: average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.50% and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000 resulting in a range from 1.50% to 0.42% APY depending on the account's average daily balance.

You will receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.

Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY.

Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current calendar month.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.

APY = Annual Percentage Yield.

APYs accurate as of 2/1/2024.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

  • Membership restrictions may apply.
  • Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
  • $100 minimum deposit is required to open the Kasasa Cash or Kasasa Cash Back account.
  • Monthly eStatement is a condition of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).
  • Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
  • Limit of 1 account per Social Security Number.
  • There are no recurring monthly maintenance charges or fees to open or close this account.
  • This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
  • A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
  • A linked Kasasa Saver account is required for automatic savings.
  • Advertised information and rewards are based on all account qualifications being met during each cycle period.
  • Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
  • Federally insured by NCUA

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver‡ Back to Top Learn More

Balance Dividend Rate APY
0 - $25,000 1.49% 1.50%
$25,000+ 0.15% 1.50 to 0.42%
All balances if qualifications not met 0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your free Kasasa® checking account each monthly qualification cycle:

Level 1

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Level 2

  • Have at least 30 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Please note that you must enroll in and receive eStatements to have this account.

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit card not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning with the last business day of the prior calendar month and ending with the day before the last business day of the current calendar month.  See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all its banking functions or for processing.

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25.  If January 1, July 4, November 11, or December 25 falls on a Saturday, the previous Friday is not a Business Day.  If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Statement Cycles coincide with each calendar month.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash - Level 1: average daily balances up to and including $25,000 receive an APY of 3.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's average daily balance.

Kasasa Cash - Level 2: average daily balances up to and including $25,000 receive an APY of 5.00%; and average daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $25,000 resulting in a range from 5.00% to 1.20% APY depending on the account's average daily balance.

Kasasa Cash Back: you will receive 2.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $5 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver: average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.50% and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000 resulting in a range from 1.50% to 0.42% APY depending on the account's average daily balance.

You will receive reimbursements up to $2.00 per transaction and up to an aggregate total of $10 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.

Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.05% APY.

Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current calendar month.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current calendar month.

APY = Annual Percentage Yield.

APYs accurate as of 2/1/2024.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

  • Membership restrictions may apply.
  • Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
  • $100 minimum deposit is required to open the account.
  • Monthly eStatement is a condition of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).
  • Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
  • Limit of 1 account per Social Security Number.
  • There are no recurring monthly maintenance charges or fees to open or close this account.
  • This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
  • A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.
  • A linked Kasasa Saver account is required for automatic savings.
  • Advertised information and rewards are based on all account qualifications being met during each cycle period.
  • Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
  • Federally insured by NCUA

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Regular Savings Account Back to Top Learn More

Balance Dividend Rate APY
$0-$499.99 0.00% 0.00%
$500.00-$2,499.99 0.05% 0.05%
$2,500.00-$19,999.99 0.05% 0.05%
$20,000.00-$49,999.99 0.05% 0.05%
$50,000.00+ 0.05% 0.05%

Christmas Savings Back to Top Learn More

Balance Dividend Rate APY
$0-$4.99 0.00% 0.00%
$5.00+ 0.05% 0.05%

Money Market Account Back to Top Learn More

Balance Dividend Rate APY
$0-$499.99 0.00% 0.00%
$500.00-$2,499.99 0.05% 0.05%
$2,500.00-$9,999.99 0.10% 0.10%
$10,000.00-$19,999.99 0.10% 0.10%
$20,000.00-$49,999.99 0.10% 0.10%
$50,000.00-$99,999.99 0.10% 0.10%
$100,000.00+ 0.10% 0.10%

Rewards Money Market Account Back to Top Learn More

Balance Dividend Rate APY
$0-$499.99 0.00% 0.00%
$500.00-$2,499.99 0.05% 0.05%
$2,500.00-$9,999.99 0.10% 0.10%
$10,000.00-$19,999.99 0.10% 0.10%
$20,000.00-$49,999.99 0.35% 0.35%
$50,000.00-$99,999.99 0.40% 0.40%
$100,000.00-$249,999.99 0.40% 0.40%
$250,000.00+ 0.40% 0.40%

Wealth Builder Savings Account Back to Top Learn More

Balance Dividend Rate APY
$0+ 0.25% 0.25%

Share Certificate Back to Top Learn More

Term Balance Dividend Rate APY
6 Months $1,000-$20,000.99 0.45% 0.45%
6 Months $20,001-$50,000.99 0.45% 0.45%
6 Months $50,001-$99,999.99 0.45% 0.45%
6 Months $100,000+ 0.45% 0.45%
9 Months $1,000-$20,000.99 0.50% 0.50%
9 Months $20,001-$50,000.99 0.50% 0.50%
9 Months $50,001-$99,999.99 0.50% 0.50%
9 Months $100,000+ 0.50% 0.50%
12 Months $1,000-$20,000.99 0.60% 0.60%
12 Months $20,001-$50,000.99 0.60% 0.60%
12 Months $50,001-$99,999.99 0.60% 0.60%
12 Months $100,000+ 0.70% 0.70%
18 Months $1,000-$20,000.99 0.60% 0.60%
18 Months $20,001-$50,000.99 0.60% 0.60%
18 Months $50,001-$99,999.99 0.60% 0.60%
18 Months $100,000+ 0.65% 0.65%
24 Months $1,000-$20,000.99 0.65% 0.65%
24 Months $20,001-$50,000.99 0.65% 0.65%
24 Months $50,001-$99,999.99 0.65% 0.65%
24 Months $100,000+ 0.70% 0.70%
30 Months $1,000-$20,000.99 0.70% 0.70%
30 Months $20,001-$50,000.99 0.70% 0.70%
30 Months $50,001-$99,999.99 0.70% 0.70%
30 Months $100,000+ 0.75% 0.75%
36 Months $1,000-$20,000.99 0.75% 0.75%
36 Months $20,001-$50,000.99 0.75% 0.75%
36 Months $50,001-$99,999.99 0.75% 0.75%
36 Months $100,000+ 0.80% 0.80%
48 Months $1,000-$20,000.99 0.80% 0.80%
48 Months $20,001-$50,000.99 0.80% 0.80%
48 Months $50,001-$99,999.99 0.80% 0.80%
48 Months $100,000+ 0.85% 0.85%
60 Months $1,000-$20,000.99 1.00% 1.00%
60 Months $20,001-$50,000.99 1.04% 1.05%
60 Months $50,001-$99,999.99 1.04% 1.05%
60 Months $100,000+ 1.09% 1.10%

Early Withdrawal Penalty: After your Term Share Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.

Rates are subject to change at renewal.

Individual Retirement Account Back to Top Learn More

Balance Dividend Rate APY
$0-$4.99 0.00% 0.00%
$5.00-$2,999.99 0.10% 0.10%
$3,000.00-$9,999.99 0.15% 0.15%
$10,000.00-$19,999.99 0.20% 0.20%
$20,000.00-$49,999.99 0.40% 0.40%
$50,000.00-$99,999.99 0.40% 0.40%
$100,000.00+ 0.40% 0.40%

Penalty for early withdrawal.

Wealth Builder IRA Savings Account Back to Top Learn More

Balance Dividend Rate APY
$0+ 0.25% 0.25%

IRA Certificate Back to Top Learn More

Term Balance Dividend Rate APY
6 Months $1,000-$20,000.99 0.45% 0.45%
6 Months $20,001-$50,000.99 0.45% 0.45%
6 Months $50,001-$99,999.99 0.45% 0.45%
6 Months $100,000+ 0.45% 0.45%
9 Months $1,000-$20,000.99 0.50% 0.50%
9 Months $20,001-$50,000.99 0.50% 0.50%
9 Months $50,001-$99,999.99 0.50% 0.50%
9 Months $100,000+ 0.50% 0.50%
12 Months $1,000-$20,000.99 0.60% 0.60%
12 Months $20,001-$50,000.99 0.60% 0.60%
12 Months $50,001-$99,999.99 0.60% 0.60%
12 Months $100,000+ 0.70% 0.70%
18 Months $1,000-$20,000.99 0.60% 0.60%
18 Months $20,001-$50,000.99 0.60% 0.60%
18 Months $50,001-$99,999.99 0.60% 0.60%
18 Months $100,000+ 0.65% 0.65%
24 Months $1,000-$20,000.99 0.65% 0.65%
24 Months $20,001-$50,000.99 0.65% 0.65%
24 Months $50,001-$99,999.99 0.65% 0.65%
24 Months $100,000+ 0.70% 0.70%
30 Months $1,000-$20,000.99 0.70% 0.70%
30 Months $20,001-$50,000.99 0.70% 0.70%
30 Months $50,001-$99,999.99 0.70% 0.70%
30 Months $100,000+ 0.75% 0.75%
36 Months $1,000-$20,000.99 0.75% 0.75%
36 Months $20,001-$50,000.99 0.75% 0.75%
36 Months $50,001-$99,999.99 0.75% 0.75%
36 Months $100,000+ 0.80% 0.80%
48 Months $1,000-$20,000.99 0.80% 0.80%
48 Months $20,001-$50,000.99 0.80% 0.80%
48 Months $50,001-$99,999.99 0.80% 0.80%
48 Months $100,000+ 0.85% 0.85%
60 Months $1,000-$20,000.99 1.00% 1.00%
60 Months $20,001-$50,000.99 1.04% 1.05%
60 Months $50,001-$99,999.99 1.04% 1.05%
60 Months $100,000+ 1.09% 1.10%

Early Withdrawal Penalty: After your IRA Certificate account is opened, you may not withdraw any of the principal funds from your account without being subject to a withdrawal penalty equal to one half of the original terms projected dividend earnings (whether earned or not) with a 365 day maximum.

Rates are subject to change at renewal.

Personal Loans Back to Top Learn More

Type APR Terms & Conditions Reg Z Disclosures/Rates
Personal Loan 10.20 - 16.99% $50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 84 months maximum.
Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%.
Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Loans above $35,000 may be financed for 120 months with a 5 year balloon payment. Maximum line of credit may vary based on prior credit performance and income level. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Collateralized Personal Loan 5.50 - 16.99% Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed.
Example: Monthly payments are approximately $44.10 per $1,000 borrowed for 24 months at 5.50% APR.
Rates, terms and conditions are subject to change without notice. Terms based on age of collateral and may vary based on mileage or condition. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Maximum line of credit may vary based on prior credit performance and income level. Applies to new loans only with GCCFCU or refinances from another lender. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Short Term Small Amount Loan 28% Minimum amount $200 & maximum amount $1,000. Terms based on 1-6 months per $1,000 borrowed.
Example: Monthly payments are approximately $172.99 per $1,000 borrowed for 6 months at 28%.
Rates, terms and conditions are subject to change without notice. Credit eligibility required. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Share Pledge Loan 2% above rate earned on share account 100% of amount in share account is maximum loan. Terms based on 12 months per $1,000 borrowed up to 120 months amortization with 36 month balloon. Rates, terms and conditions are subject to change without notice. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Certificate Loan 2% above rate earned on Certificate 100% of Certificate amount is maximum amount loaned.
2 methods of payments: Option 1: Term based on 12 months per $1,000 borrowed up to 120 months amortization with loan to balloon on Certificate maturity date. Option 2: Single pay note with loan maturing on Certificate maturity date.
Rates, terms and conditions are subject to change without notice. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Credit Rebuilder Loan 18% Terms based on 12 months or less per $1,000 borrowed.
Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Credit report pulled for informational purposes only as application will not be denied based on credit history. Loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. Rates, terms and conditions are subject to change without notice. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Freedom Fast Loan 18% Minimum amount $300 & maximum amount $1,500.Terms based on 12 months per $1,000 borrowed.
Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Rates, terms and conditions are subject to change without notice. **Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.
Borrow and Save Loan 18% Minimum amount $300 & maximum amount $2,500.Terms based on 12 months per $1,000 borrowed.
Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Credit report pulled for informational purposes only as application will not be denied based on credit history. 50% of the loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. The other 50% will be released to the member at time of closing. Rates, terms and conditions are subject to change without notice. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.

Mortgage Loans Back to Top Learn More

Type APR Terms & Conditions Reg Z Disclosures/Rates
Mortgage Loans   Call your Credit Union for current information.  
Home Equity Line of Credit
Variable-Rate
8.50 - 15.25% Call your Credit Union for current information.
Example: Monthly payments are approximately $9.85 per $1,000 borrowed for 180 months at 8.50% APR.
Minimum payment of $100.00 per month.
Actual Home Equity Line of Credit Annual Percentage Rate (APR) may vary and will range between the Prime Lending Rate as published in the Wall Street Journal and the Prime Lending Rate Plus 6.00%. Actual rates are based on prior credit performance and ability to repay. For example, the rates as of 1/19/2024 range from 8.50% APR to 15.25% APR. Rates are subject to change and may be adjusted based on Wall Street Journal Prime Rate, not to exceed 16.00% APR or fall below 4.00% APR or maximum increase of 6.00% during life of loan. The minimum APR charged will be based on the type of HELOC extended (second-position loans will not fall below 4.50%). Finance charges begin to accrue on the date you obtain the advance. Minimum HELOC amount $10,000, Maximum $300,000. Credit Line must be secured by primary residence, excluding mobile homes. Acceptable properties only in Harrison, Hancock, Jackson, Pearl River and Stone Counties. Appropriate property insurance required. All or a portion of your interest may be tax deductible; consult your tax advisor regarding deductibility of interest. Loan document fee may apply. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. Your deposits are insured by the National Credit Union Administration. An Equal Housing Opportunity Lender.
Home Equity Loan 6.125 - 14.375% Call your Credit Union for current information.
Example: Monthly payments are approximately $8.51 per $1,000 borrowed for 180 months at 6.125% APR.
Actual Home Equity Loan Annual Percentage Rate (APR) as of 1/19/2024 ranges from 6.125% APR to 14.375% APR for amortizations up to 30 years based on prior credit performance, ability to repay, position of lien and balloon payment options selected. Minimum Home Equity Loan amount $10,000, maximum of the current Fannie Mae limit. Acceptable properties only in Harrison, Hancock, Jackson, Pearl River and Stone Counties. Appropriate property insurance required. All or a portion of your interest may be tax deductible; consult your tax advisor regarding deductibility of interest. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County. Your deposits are insured by the National Credit Union Administration. An Equal Housing Opportunity Lender.
Mobile Homes with Land   Call your Credit Union for current information.  
Land: Lot or Acreage Loans   Call your Credit Union for current information.  

Auto Loans Back to Top Learn More

Type APR Terms & Conditions Reg Z Disclosures/Rates
Auto Loans 5.50 - 16.99% up to 96 mos Up to 100% of NADA average retail or 100% of selling price, whichever is less.
Example: Monthly payments are approximately $44.10 per $1,000 borrowed for 24 months at 5.50% APR.
Special 5.50%-16.99% APR auto loan rate for up to 96 months applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.

Recreational Vehicle Loans Back to Top Learn More

Type APR Terms & Conditions Reg Z Disclosures/Rates
Boats/Motors/Trailers, Motor Homes, Travel Trailers, Campers, Fifth Wheels, ATVs, Motorcycles, Personal Watercrafts 6.50 - 16.99% up to 96 mos 80-90% of NADA average retail or 80-90% of selling price, whichever is less.
Example: Monthly payments are approximately $44.55 per $1,000 borrowed for 24 months at 6.50% APR.
Rates, terms and conditions are subject to change without notice. Terms based on age of collateral and may vary based on mileage or condition. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed, collateral, value, additional credit union services chosen, and/or credit standing of the applicant. Applies to new loans only with GCCFCU or refinances from another lender. 90 day payment deferral option on most loans. 30 day guarantee on pre-approved loan rates. *Membership fee and eligibility required: You must live, work, worship or attend school in Harrison or Hancock County.