Lending Rates

Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors. Fees, early withdrawal penalties or other conditions may reduce earnings on an account(s).

Mortgage Loans

Loan-to-Value (LTV)
Maximum Term
Initial Rate
APR*
Payment Example
Loan-to-Value (LTV)
Maximum Term
Initial Rate
APR*
Payment Example
Loan-to-Value (LTV)
Maximum Term
Initial Rate
APR*
Payment Example

Vehicle Loans

Effective Date
Maximum Term
Interest Rate
APR*
Payment Example
Effective Date
Maximum Term
Interest Rate
APR*
Payment Example

Personal Lending

Maximum Term
Interest Rate
APR*
Payment Example
Maximum Term
Interest Rate
APR*
Payment Example
Maximum Term
Interest Rate
APR*
Payment Example
Maximum Term
Interest Rate
APR*
Payment Example
*APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.

For all mortgage loans, a loan origination fee of 1.00% of the loan amount is charged.

1 Variable rates subject to change and may increase after loan consummation. Future interest rate changes will be determined based on the five year Constant Maturity Treasury (CMT) yield.
2 The interest rate on the 5-Year ARM cannot change by more than 2.0% every 5 years or 8% over the life of the loan.
3 For a purchase, the member must always contribute the greater of 5% of the purchase price or appraised value, whichever is less, or $5,000 toward the down payment.
4 For the purchase or refinance of primary residences located in North Carolina.
5 New vehicle is defined as current, prior or upcoming year model with less than 10,000 miles.
6 Minimum loan amount for greater than 72-month financing is $25,000.
7 The STC Secured Closed-End Fixed Rate loan has the same maturity as the collateral STC. This loan requires a one-time payment of the entire principal and interest, which is due at the end of the term. STC Secured Closed-End Fixed Rate loan rate is the Share Term Certificate interest rate plus 2% rounded up to the nearest percent.

Call or visit the GKCU branch office for further information on loan qualification requirements.