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Guardian First Federal Credit Union is happy to offer 2 ways to receive discounted loan rates!
- If you have a checking account at Guardian First Federal Credit Union, you qualify for a .25% APR reduction on your quoted loan rate.
- Set up any loan payment for automatic repayment and receive .25% APR reduction on your quoted loan rate. Receive 1.00% APR reduction on your quoted loan rate for a Credit Card Debt Eliminator Loan.
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Vehicle Rates, effective May 11, 2010
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Rates Starting At
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Term
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2009-2011
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3.92% APR
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Up to 48 months
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2006-2008
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4.37% APR
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Up to 60 months
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2004-2005
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4.92% APR
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Up to 60 months
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2001-2003
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5.40% APR
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Up to 48 months
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2000 & older
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7.40% APR
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Up to 36 months
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Loan Rates, effective May 21, 2009
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Rates Starting At
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Term
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Motorcycles, Boats, RVs, Motor Homes, Equipment, and Other
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5.99% APR
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Up to 84 months
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Personal
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10.00% APR
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Up to 60 months
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Line of Credit
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10.00% APR
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Revolving
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Payday Line of Credit Loan
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18.00% APR
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Next payday
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Shares Secured
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3.00% APR above share rate
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Up to 36 months
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Certificate Secured
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2.5% APR above CD rate
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Up to 60 months
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Credit Card Debt Eliminator
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9.00% APR
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Up to 60 months
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Summer Special (seasonal)
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8.00% APR
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Up to 12 months
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Back-to-School Special (seasonal)
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Holiday Special (seasonal)
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Account Rates
effective July 23, 2010
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Minimum Balance
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Dividend Rate
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Dividend Yield
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Regular Shares
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$25
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0.25% APR
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0.25% APY
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Share Draft
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$1
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0.10% APR
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0.10% APY
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Holiday
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None
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0.40% APR
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0.41% APY
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IRA
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$1
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0.75% APR
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0.76% APY
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- A minimum balance of $100 is required to earn dividends on all accounts
- The share draft account is free as long as a minimum balance of $500 is maintained each month. A $5 fee will be assessed if the balance drops below $500 at any time during the month
- A minimum balance of $100 is required in the checking account to be considered for checks and apply for a debit card.
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Certificate Rates
effective July 23, 2010
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Minimum Balance
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Term
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Dividend Rate
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Dividend Yield
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$1000
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6 Months
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0.50% APR
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0.50% APY
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$1000
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12 Months
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0.75% APR
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0.75% APY
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$1000
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24 Months
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1.25% APR
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1.26% APY
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$1000
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36 Months
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1.50% APR
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1.51% APY
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Jumbo
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$95,000
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12 Months
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1.50% APR
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1.51% APY
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