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Rates

*APY Annual Percentage Yield. This is a limited time offer available Sept. 1, 2018 – Sept. 30, 2018. New money only. Money cannot come from an
existing GNO account within the existing promotion period to a new Term Share Certificate. Federally insured by the National Credit Union Administration.

Savings & Loan Rates

Savings Rates
Valid as of August 1, 2018

Prime Share Account/Savings

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
$5 $100
 $100 to $4,999  .15%  .15%
 $5,000 to $49,999  .16%  .16%
 $50,000 to $99,999  .17%  .17%
 $100,000 or Greater  .18%  18%

Share Drafts/Checking

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
$50 N/A
N/A .00% .00%

Club Accounts – Christmas/Vacation

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
$0 $100
$100 to $49,999 .15% .15%
$50,000 to $99,999 .16% .16%
$100,000 or Greater .17% .17%

IRA Accounts

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
$100 $100  365 days
$100 to $49,999 .40% .40%
$50,000 to $99,999 .43% .43%
$100,000 or Greater .45% .45%

IRA Certificates

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
IRA – 12 Months $1,000 $1,000  365 days
$1,000 – < $50,000 .85% .85%
$50,000 – < $100,000 .86% .86%
$100,000 or Greater .87% .87%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
IRA – 24 Months $1,000 $1,000 730 days
$1,000 – < $50,000 1.59 % 1.60%
$50,000 – < $100,000 1.64% 1.65%
$100,000 or Greater 1.69% 1.70%

Money Manager

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
 $2,500 to $4,999 $2,500 $2,500 .30% .30%
$5,000 to $49,999 .34% .34%
$50,000 to $99,999 .36% .36%
$100,000 or Greater .40% .40%

Share Certificates

Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Six Months $1,000 $1,000  182 days
$1,000 – < $50,000 .50% .540%
$50,000 – < $100,000 .60% .650%
$100,000 or Greater .65% .65%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Twelve to Eighteen Months $1,000 $1,000 365-547 days
$1,000 – < $50,000 .85% .85%
$50,000 – < $100,000 .86% .86%
$100,000 or Greater .87% .87%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Twenty Four Months $1,000 $1,000 730 days
$1,000 – < $50,000 1.49% 1.50%
$50,000 – < $100,000 1.54% 1.55%
$100,000 or Greater 1.59% 1.60%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Thirty Six Months $5,000 $5,000 1,095 days
$5,000 – < $50,000 1.73% 1.75%
$50,000 – < $100,000 1.78% 1.80%
$100,000 or Greater 1.88% 1.90%
Details Min. Deposit Min. Required to Earn APY Term Dividend Rate Annual % Yield APY
Sixty Months $5,000 $5,000 1,825 days
$5,000 – < $50,000 2.13% 2.15%
$50,000 – < $100,000 2.18% 2.20%
$100,000 or Greater 2.23% 2.25%

Prime Share, IRA, Club and Money Manager Dividends paid monthly; after account opening, rates are subject to change monthly, as determined by the Board of Directors; fees may reduce the earnings on an account; early withdrawal penalties may be imposed on Christmas Club Accounts, Share Certificates and IRA Certificates.

Savings & Loan Rates

Loan Rates
Valid as of August 13, 2018

Vehicles (New & Used)

Cars & Trucks

Annual Percentage Rate* Term Monthly Payment per $1,000 Borrowed
New as low as 3.20%
(Includes 0.25% Direct Deposit/Payroll Deduction Discount)
up to 84 months**  $13.30

**Note: Not all members/vehicles eligible for 84 month financing.  Rates may vary due to credit history, amount and term.  Rates subject to change.

Boats, Motorcycles & RVs

2% above New Auto Rates. Certain Restrictions Apply.

Mortgages

Contact GNO for details on all mortgage products.

Credit Cards

Visa Platinum
No Annual Fee 6.99% to 18.00% APR

 

Visa Secured
No Annual Fee 8.00% APR

 

Visa Platinum Student
No Annual Fee 12.00% APR

 

Share Pledge: 2.0% APR above highest prime share rate offered
Certificate Pledge: 2.0% APR above certificate rate

Closed End Signature Loans

Annual Percentage Rate* Term Monthly Payment per $1,000 Borrowed
as low as 10.25% APR* up to 60 months $21.38

Tuition Loan Plus+

Annual Percentage Rate* Monthly Payment per $1,000 Borrowed
as low as 7.75% APR* $21.38

 

*You may be eligible for a 0.25% rate reduction for payroll deduction or direct deposit.
**Direct Deposit must be existing.

*Rates appear on this Rate Sheet as Annual Percentage Rate (APR). Rates subject to credit approval. Rates are based on credit worthiness and amount financed. Normal credit standards apply. Rates subject to change without notice. Rates may be as high as 18% APR based on information obtained from your credit application and credit report.

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