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Loan Rates & Terms
 
Effective December 1, 2017
*Year models 2010 and older add 2% to the rate.
Loan Type Maximum Term APR (1)
Unsecured / Secured (2)
$30,000 maximum. Loan is not a credit line.
1 - 3 Years
as low as 8.95%
4 - 5 Years as low as 9.95%
Line of Credit
Up to $30,000. Link to checking for easy access
Open ended
as low as 7.50%
Computers (3)
Up to $4,000. Link to checking for easy access. City reimburses interest charges.
2 Years
as low as 7.00%
New or Used Cars & Trucks (4)
Up to 100% financing for: New purchase price, or Retail blue book + MBI/GAP. 1/2% off with Direct Deposit to checking. 1/4% off with 20% down (5)
2 Years
as low as 1.97%
3 Years as low as 1.97%
4 Years as low as 1.97%
5 Years as low as 2.47%
6 Years as low as 2.97%
7 Years as low as 3.47%
Motorcycles
Up to 80%
2 Years
as low as 3.97%
3 Years as low as 3.97%
4 Years as low as 3.97%
5 Years as low as 4.97%
6 Years as low as 5.47%
New or Used Motor Homes
New: Up to 80% of purchase price.
Used: Up to 80% of retail blue book +Tax/Lic.
5 Years
as low as 3.97%
New or Used Trailers & Boats
New: Up to 80% of purchase price.
Used: Up to 80% of retail NADA +Tax/Lic.
2 Years
as low as 3.97%
3 Years as low as 3.97%
4 Years as low as 3.97%
5 Years as low as 4.47%
Second Chance Loan
Poor credit preventing you from borrowing? Start rebuilding your credit with this affordable loan.
60 Months
as low as 16%
Share Loans
Loan is not a credit line.
5 Years
Dividend rate plus 2%
5 Years Certificate rate plus 2%
Share Certificate Loans (5) Up to 5 Years
Dividend rate plus 2%
Up to 5 Years Certificate rate plus 2%
 
 
 
 
 
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(1) Annual Percentage Rates (APR) subject to change without notice and are our best rates for excellent credit. Your individual rate will be based on approved credit determined by managed-risk program and may vary depending on creditworthiness.

(2) Unsecured personal loans are closed-end loans, not lines of credit, and may not be repeatedly refinanced to individual maximum limits.

(3) Only Glendale City employees are eligible for zero-percent computer loans. Requires city approval. City reimburses 7% to employees via credits to paychecks over the two-year period.

(4) You can receive a reduction of 1/2% of your calculated interest rate on a new or used auto loan if you have direct deposit to a Glendale FCU checking account; and/or a reduction of 1/4% with 20% down. However, the minimum discounted APR cannot be less than our rate for 24 month auto loans. Rates cannot go below floor rates.

(5) Application needs only name, address, Social Security number and signature.

Your interest may be tax deductible. Please check with a tax professional.

 
 
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