General Credit Union

Current Loan Rates

January 24, 2012

The following rates were effective January 24, 2012.
Rates are available for a limited time.
Call for the latest information at (260) 471-5544 or (800) 889-5554

Click here for Current Deposit Rates

Loan Description	Approximate Term ¹	APR ² Annual Percentage Rate

NOTE: Rates Listed are Based Upon Empirica Scoring Model A and above. Rates reflect 0.25% discount for Auto-pay. Other terms and rates are available. Call 482-7701 to speak with a loan officer.
New / Used 2008-2011 Vehicles	0-48 Mos.	2.99%
Current loan rate specials have no additional discounts available.	49-60 Mos.	3.25%
	61-72 Mos.	5.75%
	73-84 Mos.	6.25%

Pre-Owned Vehicles (2006-2007)	0-48 Mos.	2.99%
	49-60 Mos.	3.99%
	61-72 Mos.	5.75%

Pre-Owned Vehicles (2003-2005)	0-60 Mos.	5.75%
Pre-Owned Vehicles (2002 & Older)	0-36 Mos.	5.75%
	37-60 Mos.	6.25%
1st Mortgages	Please call Kim at 260-373-0781 or 800-889-5554 x147 for current rates.
Home Equity Loans	Variable Rate	6-mo. T-Bill + 3%
Second Mortgages	5 Yrs.	5.75%
Fixed rate for term of loan. Only Indiana mortgages available.	10 Yrs.	6.75%
	15 Yrs.	7.75%

Simple Loan (Personal Loan)	0-60 Mos.	7.99%
	61-72 Mos.	9.99%

¹ Repayment terms may vary.
² All rates subject to change without notice. Loans set up for cash payments are .25% higher than the rates above. No additional discounts on vehicle loans up to 60 months. Olympic Reward discounts to be deducted from all other loans. Rates are available for a limited time.

Current Deposit Rates

Term	Nominal Rate	APY Annual Percentage Yield	Minimum Balance of $2,500	Minimum Balance of $10,000	Minimum Balance of $20,000
Deposit Accounts
Regular Shares	0.05%	0.05%
Money Market	0.10%	0.10%	0.15%	0.20%	0.25%
Health Savings Accounts	0.35%	0.35%	0.85%	1.41%	2.02%

Term	Nominal Rate	APY Annual Percentage Yield	Silver Plan APY $2500.00 Min. Deposit	Gold Plan APY $2500.00 Min. Deposit
*Certificates of Deposit [Min deposit: $500]*
6 Month	0.10%	0.10%	0.20%	0.30%
9 Month	0.15%	0.15%	0.25%	0.35%
12 Month	0.25%	0.25%	0.35%	0.45%
18 Month	0.35%	0.35%	0.45%	0.55%
24 Month	0.80%	0.80%	0.90%	1.00%
36 Month	0.90%	0.90%	1.00%	1.10%
48 Month	1.15%	1.15%	1.26%	1.36%
60 Month	1.60%	1.61%	1.71%	1.81%
*IRA Certificates [Min deposit: $500]*
6 Month	0.20%	0.20%	0.30%	0.40%
9 Month	0.25%	0.25%	0.35%	0.45%
12 Month	0.35%	0.35%	0.45%	0.55%
18 Month	0.45%	0.45%	0.55%	0.65%
24 Month	0.90%	0.90%	1.00%	1.10%
36 Month	1.00%	1.00%	1.10%	1.21%
48 Month	1.25%	1.26%	1.36%	1.46%
60 Month	1.70%	1.71%	1.81%	1.91%

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