Rates

APY= Annual Percentage Yield. Yields shown above is as of date 03/31/2018 and is subject to change without notice. The minimum deposit to open a Share Savings is $100. Other fees may apply please check our FEE & Rate Schedule.

APY=Annual Percentage Yield shown above is as of date 02/15/2018 and is subject to change without notice. The minimum deposit to open a Share Certificate is $500. Penalties apply for early withdrawal.

APY=Annual Percentage Yield shown above is as of date 02/15/2018 and is subject to change without notice. The minimum deposit to open an IRA is $500. Penalties apply for early withdrawal.

*APR= Annual Percentage Rate.
** must have a checking account with direct deposit or payroll deduction.

Enterprise Auto: .50% discount rate good through 04/30/2018.  Member will receive a 0.25% rate reduction. Member will also receive an additional 0.25% off if they have a checking account with payroll deduction and/or direct deposit.

***.26% below prime

****APR – Annual Percentage Rate. This promotion is available for a limited time and may be withdrawn at any time. The promotional Annual Percentage Rate (APR) will not change until the first day of the 13th month after the day of the loan closing. After the introductory period, the loan will become a variable rate loan and the interest rate and payment may change. The prime rate is based on the highest prime rate published in the Wall Street Journal. On March 22, 2018  prime rate was 4.75%. The current APR for a Home Equity Line of Credit using the prime rate minus 0.26% margin is 4.49%. The floor rate at the end of the initial 12 month period will be 2.99%. The APR will never exceed 8.99%. If applicable, your payments will change on the first day of the month. At no time during the life of your loan will your interest rate go below 2.99% after the one year introductory rate, nor will it go any higher than 8.99%. Your annual rate change per year cannot exceed 2.00%. You can select a term of 20 years with a “draw period” of 7 years. Other restrictions may apply. Some Non-NJ Properties may have State Tax related closing costs. If the loan is paid off within two years, the borrower agrees to reimburse the Credit Union for closing costs initially waived in the amount of $750, and that the member authorizes the Credit Union to withdraw the money from their Credit Union account. Loan Rates and current offer are subject to individual qualifying factors and may change at any time without notice, your rate may be higher. Minimum line amount of $25,000. Maximum line amount of $250,000. Loan amount is up to 75% of your home’s value less any other liens. This promotion applies only to new lines of credit and is not available to refinance existing loans with GAFCU. Promotion available for single family, owner-occupied, primary residence only; excludes investment property, second and vacation homes, condos, co-ops and single or double wide manufactured homes. Property insurance is required. Applicants must successfully meet our Home Equity Line credit standards. Not all members will qualify for this promotional offer. Alternative rates and terms are available. Some Non-NJ Properties may have State Tax related closing costs. **Consult your tax advisor regarding your ability to deduct Home Equity Loan interest. Credit union membership required to apply for any of our products and services.

Rates shown above are for qualified borrowers and as of 03/15/2018.  Rates are subject to change without notice. Not all borrowers will qualify. Actual rate may vary based on credit worthiness.

For a custom rate quote, disclosures, terms and conditions, click here.