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Current Rates

Pay less on your loans and earn more on your deposits. Our competitive rates are designed to help you reach your financial goals faster while keeping your savings growing steadily. Start saving today and experience the benefits of financial freedom with no hidden fees.

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Loan Rates

New & Used Autos - 2018 & Newer

New & Used Autos - 2018 & Newer
Effective Date: Tuesday, December 10th, 2024
TermInterest RateAPR***Payments per $1,000/month
12 Months as low as 5.50% 5.50% $85.86
24 Months as low as 5.50% 5.50% $44.11
36 Months as low as 5.50% 5.50% $30.21
48 Months as low as 5.75% 5.75% $23.18
60 Months as low as 5.75% 5.75% $19.23
72 Months* as low as 6.00% 6.00% $16.58
84 Months** as low as 6.50% 6.50% $14.86
*72 Month Term only available for autos 2019 & newer. **84 month term only available to autos 2020 & Newer that have less than 30,000 miles. Minimum to finance $25,000. ***100% Financing available for qualified applicants. Annual Percentage Rate based on a credit score of 750 or higher. Your individual loan rate will be based on your personal financial situation and previous credit performance.

Used Autos - 2013 - 2017

Used Autos - 2013 - 2017
Effective Date: Tuesday, December 10th, 2024
TermInterest RateAPR***Payments per $1,000/month
36 Months as low as 6.25% 6.25% $30.27
48 Months as low as 7.00% 7.00% $23.96
Maximum Loan to Value of 90%. Mileage cap of 150,000 miles .Must add GAP if financing over MSRP or NADA

Used Autos - 2012 & Older

Used Autos - 2012 & Older
Effective Date: Tuesday, December 10th, 2024
2012 and older will be financed at the unsecured rate.
TermInterest RateAPRPayments per $1,000/month
24 Months as low as 10.00% 10.50% $46.15
36 Months as low as 10.50% 10.50% $32.51
48 Months as low as 11.50% 11.50% $26.09
60 Months as low as 12.50% 12.50% $22.50

Recreational Vehicles

Recreational Vehicles
Effective Date: Tuesday, December 10th, 2024
TermInterest RateAPR***Payments per $1,000/month
36 Months as low as 6.25% 6.25% $32.55
48 Months as low as 6.75% 6.75% $23.84
60 Months as low as 6.75% 6.75% $19.69
72 Months as low as 7.00% 7.00% $17.06
84 Months as low as 7.00% 7.00% $15.10
96 Months as low as 7.50% 7.50% $13.89
120 Months as low as 8.00% 8.00% $12.14
144 Months as low as 8.00% 8.00% $10.97
10 year minimum loan $15,000-$20,000/12 year minimum loan $20,000-$30,000/15 year loan $30,000

Home Equity Line of Credit

Home Equity Line of Credit
Effective Date: Tuesday, December 10th, 2024
TypeInterest RateAPRCurrent Rate
Variable Prime +0.00% Prime +0.00% 8.00%
Great Falls Federal Credit Union Home Equity Line of Credit is a variable rate loan of Prime plus 0% APR. If prime were to drop below 4.00% APR* the minimum (floor) rate would be at 4.00% APR*. The Annual Percentage Rate is based on Wall Street Prime rate effective 45 days prior to each quarter change date. Flood insurance is required when applicable. Average closing costs typically includes the appraisal fee, attorney fees, recording fees, flood certification and check fees. You should consult your tax advisor regarding the deductibility of interest and fees. Financing is based on 80% of the home value. Excludes manufactured home and is only available for primary residences within 50 miles of our field of membership. Membership is required.

Unsecured Loans

Unsecured Loans
Effective Date: Tuesday, December 10th, 2024
TermInterest RateAPRPayments per $1,000/month
24 Months as low as 10.00% 10.00% $46.15
36 Months as low as 10.50% 10.50% $32.51
48 Months as low as 11.50% 11.50% $26.09
60 Months as low as 12.50% 12.50% $22.50

Credit Builder

Credit Builder
Effective Date: Tuesday, December 10th, 2024
TermLoan AmountAPRMonthly Payment
12 Months $500.00 8.35% $43.58
12 Months $1,000.00 8.35% $87.14
12 Months $1,500.00 8.35% $130.71
All proceeds held on deposit until loan is repaid in full. See Loan Officer for more details.

Tractor & Farm Equipment

Tractor & Farm Equipment
Effective Date: Tuesday, December 10th, 2024
TermInterest RateAPR***Payments per $1,000/month
48 Months as low as 6.50% 6.50% $23.72
60 Months as low as 7.00% 7.00% $19.81
72 Months as low as 7.25% 7.25% $17.18
84 Months as low as 7.50% 7.50% $15.34
96 Months as low as 8.50% 8.50% $14.40
Please call for rates and terms for 10 or more years for tractors and equipment loans.

 

Deposit Rates

Deposit Accounts

Deposit Accounts
Effective Date: Tuesday, December 10th, 2024
Minimum Deposit to earn Dividends: $25.00
NameAPRAPY
Share .05 0.05%
Clubs .05 0.05%

Money Market

Money Market
Effective Date: Tuesday, December 10th, 2024
Minimum Deposit to earn Dividends: $2000.00
AmountAPRAPY
$2,000 - $20,000 2.25% 2.27%
$20,000 - $75,000 2.50% 2.53%
$75,000+ 2.75% 2.78%

IRA & Share Certificates of Deposit

IRA & Share Certificates of Deposit
Effective Date: Tuesday, December 10th, 2024
Minimum Deposit to earn Dividends: $1000.00
TermAPRAPY
1 Year 3.85% 3.92%
2 Year 3.85% 3.92%
3 Year 3.80% 3.87%
4 Year 3.80% 3.87%
5 Year 3.80% 3.87%

Become a Member of our Credit Union

Become a Member

At Great Falls FCU, we believe in putting our members first. As a not-for-profit financial institution, our primary goal is to serve you and help you achieve your financial dreams. Joining our credit union means becoming part of a community that values your financial well-being, offers personalized service, and provides access to a wide range of financial products and services tailored to your needs.

Join our Credit Union