Rates


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Rates

SAVINGS RATES

Share Savings Share Certs IRA Certs

IRAs Money Market Christmas Club

Vacation Club Share Draft Premium FREE Checking

LENDING RATES

1st Mortgages Home Equity Vehicle Loans

Equity Rich Credit Cards Motorcycle

Unscrd Prsnl RV/Marine Secured Prsnl

Overdraft

Share Savings Account

Minimum Balance Rate Annual Percentage Yield

$5.00 .75%
.75%

It takes $5.00 to open this account.

Effective 6/1/2008.

Click here for complete disclosures to GECU’s Share Savings Account.
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Share Certificates

Term Minimum Balance Rate Annual Percentage Yield

182-Day $500 3.10% 3.13%

1-Year $500 3.20% 3.24%

18-Month $500 3.24% 3.28%

2-Year $500 4.18% 4.25%

30-Month $500 4.42% 4.50%

5-Year $500 4.66% 4.75%

1-Year Jumbo $100,000 3.94% 4.00%

Effective 7/16/2008.

Click here for complete disclosures to GECU’s Share Certificates.
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Individual Retirement Account (IRA) Certificates

Term Minimum Balance Rate Annual Percentage Yield

1-Year $500 3.21% 3.24%

18-Month $1,000 3.25% 3.28%

2-Year $2,000 4.20% 4.25%

3-Year $2,000 4.44% 4.50%

5-Year Jumbo $100,000 4.68% 4.75%

1-Year Jumbo $100,000 3.95% 4.00%

Effective 8/1/2008.

IRA insurance has increased. Click here to find out more.

Click here for complete disclosures to GECU’s IRA Certificates.
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Individual Retirement Account (IRA) Passbook Account

Rate Annual Percentage Yield

.75% .75%

It takes $5.00 to open the account.

Effective 8/1/2008.

Click here for complete disclosures to GECU’s IRA Passbook Account.
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Money Market Plus Account

Deposit Amount Rate Annual Percentage Yield

$10,000 - $49,999 1.36% 1.37%

$50,000 and Over 2.57% 2.60%

It takes $10,000 to open this account. If the account falls below $10,000 any day of the month, the rate reverts to the current share rate for the entire month.

Effective 5/1/2008.

Click here for complete disclosures to GECU’s Money Market Plus Account.
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Christmas Club Account

Deposit Amount Rate Annual Percentage Yield

$5.00 1.00% 1.00%

It takes $5.00 to open this account. A check will be mailed to the address on file around October 1st for the entire amount (minus $5.00 to maintain account) plus interest.

Effective 9/19/2007.

Click here for complete disclosures to GECU’s Christmas Club Account.

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Vacation Club Account

Minimum Balance Rate Annual Percentage Yield

$5.00 1.00% 1.00%

It takes $5.00 to open this account. A check will be mailed to the address on file around June 1st for the entire amount (minus $5.00 to maintain account) plus interest.

Effective 9/19/2007.

Click here for complete disclosures to GECU’s Vacation Club Account.
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Share Draft Checking Account

Deposit Amount Rate Annual Percentage Yield

$1,000 - $7,499 .075% .075%

$7,500 and Over .25% .25%

Effective 9/19/2007.

Click here for complete disclosures to GECU’s Share Draft Checking Account.
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Premium FREE Checking Account
Deposit Amount	Rate	Annual Percentage Yield
$10,000 - $24,999.99	1.55%	1.56%
$25,000 and Over	2.55%	2.58%

Effective 5/1/2008.

Click here for complete disclosures to GECU’s Share Draft Checking Account.
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GECU offers a full arrange of first mortgage products with varying rates. Please call one of our first mortgage professional for more information about our mortgage products and rates.

First Mortgages as of August 27, 2008 Rates are as low as:
Product	Rate	Annual Percentage Rate
30-Year Fixed	6.500%	6.710%
20-Year Fixed	6.500%	6.710%
15-Year Fixed	6.125%	6.335%
10-Year Fixed	6.125%	6.335%

Click here for disclosures to GECU’s First Mortgages.
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Home Equity Lines of Credit

Loan Amount Annual Percentage Rate

$7,500* - $29,999 4.50%**

$30,000 - $49,999 4.50%**

$50,000 and Over 4.00%***

Effective 8/26/2008.

Program minimum rate is 4%; at no time will the rate go below 4%.
*For Home Equity Lines of Credit below $7,500, members will pay closing costs.
**The rate is subject to adjustment on the first day of each calendar quarter to Prime - .50%.
***The rate is subject to adjustment on the first day of each calendar quarter to Prime - 1.00%.

Click here for complete disclosures to GECU’s Home Equity Lines of Credit.
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Fixed Rate Home Equity Loans

Term Annual Percentage Rate

Up to 60 months 5.99%

61 to 120 months 6.25%

121 to 180 months 6.50%

Effective 3/1/2008.

Click here for the complete disclosures to GECU’s Fixed Rate Home Equity Loans.
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Fixed Equity Rich Loans
Term	Annual Percentage Rate
Up to 120 months	5.99%

Effective 3/1/2008.

Click here for the complete disclosures to GECU’s Fixed Equity Rich Loans.
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Equity Rich Line of Credit
Loan Amount	Annual Percentage Rate
$7,500* - $49,999	4.00%**
$50,000+	4.00%***

Effective 8/26/2008.

Program minimum rate is 4%; at no time will the rate go below 4%.
*For Home Equity Lines of Credit below $7,500, members will pay closing costs.
**The rate is subject to adjustment on the first day of each calendar quarter to Prime -.50%.
***The rate is subject to adjustment on the first day of each calendar quarter to Prime -1.00%.

Click here for the complete disclosures to GECU’s Equity Rich Line of Credit.
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Vehicle Loan Rates

Term Annual Percentage Rate

New/Used Cars, 2007 & Newer models, Up to 63 months As low as 5.14%

New/Used Cars, 2007 & Newer models, 64 to 66 months As low as 5.14%

New/Used Cars, 2007 & Newer models, 67 to 75 months As low as 5.14%

New/Used Cars, 2007 & Newer models, 76 to 84 months* As low as 5.79%

Used Cars, 2005 & 2006 models, Up to 63 months As low as 5.29%

Used Cars, 2005 & 2006 models, 64 to 66 months As low as 5.29%

Used Cars, 2005 & 2006 models, 67 to 72 months As low as 5.79%

Used Cars, 2003 & 2004 models, Up to 63 months As low as 6.04%

Used Cars, 2003 & 2004 models, 64 to 66 months As low as 6.04%

Used Cars, 2001 & 2002, Up to 36 months As low as 6.79%

Used Cars, 2001 & 2002 models, 37 to 54 months As low as 6.94%

Used Cars, 2000 & Older models,
Up to 36 months As low as 6.94%

Above rates may be subject to a .25% discount dependent upon financing needs; ask a GECU loan officer for details.

Effective 8/23/2008.

*Minimum MSRP or NADA Retail must be $25,000.

Click here for complete disclosures to GECU’s Vehicle Loans.
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Secured Personal Loans

Collateral Annual Percentage Rate

Share Account Secured 3.00% Over Share Rate

Stock Secured Up to 48 Months 9.50%

Stock Secured Up to 144 Months 10.50%

Certificate Secured 3.00% Over Certificate Rate

Education Loan 8.25%

New/Used Cars, 2007 & Newer models, Up to 63 months As low as 5.14%

New/Used Cars, 2007 & Newer models, 64 to 66 months As low as 5.14%

New/Used Cars, 2007 & Newer models, 67 to 75 months As low as 5.14%

New/Used Cars, 2007 & Newer models, 76 to 84 months* As low as 5.79%

Used Cars, 2005 & 2006 models, Up to 63 months As low as 5.29%

Used Cars, 2005 & 2006 models, 64 to 66 months As low as 5.29%

Used Cars, 2005 & 2006 models, 67 to 72 months As low as 5.79%

Used Cars, 2003 & 2004 models, Up to 63 months As low as 6.04%

Used Cars, 2003 & 2004 models, 64 to 66 months As low as 6.04%

Used Cars, 2001 & 2002, Up to 36 months As low as 6.79%

Used Cars, 2001 & 2002 models, 37 to 54 months As low as 6.94%

Used Cars, 2000 & Older models, Up to 36 months As low as 6.94%

Effective 8/23/2008.

*Minimum MSRP or NADA Retail must be $25,000.

Click here for complete disclosures to GECU’s Secured Personal Loans.
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Unsecured Personal Loans

Term Annual Percentage Rate

Up to 36 months As low as 7.99%

37 to 48 months As low as 7.99%

Effective 3/1/2008.

Click here for the complete disclosures to GECU’s Unsecured Personal Loans.
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Fixed RV & Marine Loans

Term Annual Percentage Rate

New/Used Fixed $100,000 & Above
Up to 180 Month Balloon* As low as 6.99%

New/Used Fixed $75,000 to $99,999
Up to 180 Month Balloon* As low as 6.99%

New/Used Fixed $50,000 to $74,999
Up to 180 Month Balloon* As low as 7.24%

New/Used Fixed $25,000 to $49,999
Up to 180 months As low as 7.24%

New/Used Fixed $15,000 to $24,999
Up to 144 months As low as 7.24%

New/Used Fixed $10,000 to $14,999
Up to 120 months As low as 7.49%

New/Used Fixed $9,999 & Below
Up to 84 months As low as 9.74%

Terms are guidelines only; longer terms may be available for qualified borrowers.

Effective 8/23/2008.

*180 Month Balloon based on 20-year amortization.

Click here for complete disclosures to GECU’s Fixed RV & Marine Loans.
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Motorcycle Loans

Term Annual Percentage Rate

New/Used Motorcycles, 2006 & Newer models, Up to 36 months As low as 5.99%

New/Used Motorcycles, 2006 & Newer models, 37 to 48 months As low as 5.99%

New/Used Motorcycles, 2006 & Newer models, 49 to 66 months As low as 5.99%

Used Motorcycles, 2005 & Older models, Up to 36 months As low as 6.99%

Used Motorcycles, 2005 & Older models, 37 to 48 months As low as 6.99%

Used Motorcycles, 2005 & Older models, 49 to 60 months As low as 6.99%

Terms are guidelines only; longer terms may be available for qualified borrowers.

Effective 8/23/2008.

Click here for complete disclosures to GECU’s
Motorcycle Loans.
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Credit Card

Card Annual Percentage Rate

Visa Platinum 8.99%

Visa Gold 10.00%*

Standard Visa or MasterCard 10.90%*

* Subject to program minimum.

Effective 7/1/2008.

Click here for complete disclosures to GECU’s
Credit Cards.
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Overdraft Protection

Annual Percentage Rate

17.00%

Effective 9/19/2007.

Click here for the complete disclosures to GECU’s Overdraft Protection.
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APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are subject to change daily. Please call 513.243.4328 for the most current rates. Disclosures are available upon request.


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