GraCo FCU hours:
Monday, Tuesday, Thursday
9:00am - 5:30pm
Wednesday 10:00am - 5:30pm
Friday 9:00am - 7:00pm
Saturday 9:00am - 12:00pm
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Calculators Loan Rates Deposit Rates Fee Schedule
Effective as of: 02/18/2021
| Unsecured Loans-A plus Rates Listed | |||
| Term | A.P.R. | Notes | |
| 12 months | .....7.25% | ||
| 13-36 months | .....7.75% | Maximum Signature Loan Per Member $20,000 | |
| 37-60 months | .....8.50% | ||
| Auto/Motorcycle Loans-A plus Rates Listed (contact credit union for older models) | |||
| Type | Term | A.P.R. | Notes |
| 2012 and Newer | .....up to 36 Mo | .....2.59% | |
| 2012 and Newer | .....37-60 Months | .....2.75% | |
| 2012 and Newer | .....61-72 Months | .....3.99% | |
| 2012 and Newer | .....73-84 Months | .....4.99% | $25,000 minimum loan amount |
| 2012 and Newer | .....85-96 Months | .....5.99% | $35,000 minimum loan amount |
| 2006-20011 | .....up to 36 Mo | .....2.99% | |
| 2006-2011 | .....37-60 Months | .....3.29% | |
| 2006-2011 | .....61-72 Months | .....5.09% | $10,000 minimum loan amount |
| 2006-2011 | .....73-84 Months | .....6.99% | $18,000 minimum loan amount 15% down required |
| 2005 and Older | .....up to 36 Mo | .....5.99% | |
| 2005 and Older | .....37-60 Months | .....7.59% | $15,000 minimum loan amount 20% down required |
| 2005 and Older | .....61-72 Months | .....10.99% | $20,000 minimum loan amount 25% down required |
| Recreational Vehicle Loans - A plus Rates Listed | |||
| Current year models and up to 9 years old only. Older models at signature loan rates. | |||
| Includes Motor Homes, Travel Trailers, Campers, Boats, and livestock trailers with living quarters | |||
| Type | Term | A.P.R. | Notes |
| Up to 60 month term | Same as the 60 month auto loan rate | ||
| Up to 84 month term | Add 1% to the 84 month auto loan rate | .......$18,000.00 minimum loan amount for this term | |
| Up to 120 month term | Add 1.75% to the 96 month auto loan rate | .......$25,000.00 minimum loan amount for this term | |
| Share Secured | |||
| Type | A.P.R. | ||
| Secured by Shares | 2.5% Above Share Dividend Rate | ||
| Secured by CD | 2% Above Share Certificate Rate | ||
| Specialty Loans - A plus Rates Listed | |||
| Includes snowmobiles, 4 wheelers, dirt bikes, golf carts (including road ready), personal watercraft, lawn tractors, farm tractors, dump trucks, utility/side by side vehicles, and hauling / livestock trailers with no living quarters | |||
| Current year models and up to 9 years old only. Older models at signature loan rates. Credit union must be able to establish a value. Appraisal from a dealer may be required. | |||
| Type | Term | A.P.R. | Notes |
| Up to 60 month term | Add 2% to the 60 month auto loan rate | ||
| Up to 84 month term | Add 2.5% to the 84 month auto loan rate | .......Minimum loan amount is $25,000 | |
| Up to 120 month term | Add 3.5% to the 96 month auto loan rate | .......Minimum loan amount is $35,000 | |
| Home Equity Loans - A plus Rates Listed | |||
| Type | Term | A.P.R. | Notes |
| Closed-End H/E | 60 Months | 3.75% Fixed | 100,000.00 maximum. Higher rates apply for combined loan to value ratios exceeding 80%. Call for additional terms and rates. |
| 84 Months | 4.00% Fixed | ||
| GraCo FCU NMLS # 493685. MLO NMLS#s 501216 / 1588387 | |||
| 120 Months | 4.25% Fixed | ||
| 180 Months | 4.50% Fixed | ||
| HELOC (Line of Credit) | Up to 120 Months | Variable | Call for current rates |