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Loans

Loan Rates* effective as of January 1, 2012

Rates and Terms are subject to change without notice. All GaPac CFCU loans are subject to loan approval. * APR = Annual Percentage Rate. The Annual Percentage Rate you receive will be in the range disclosed and based on your credit history. We may finance your purchase including tax, license, dealer options, warranty and insurance products according to your credit qualifications. Please contact us for current mortgage loan rates and general information. GaPac CFCU is an Equal Opportunity Lender. See additional DISCLOSURE below.

LOAN TYPE	Term	*APR Rate RANGE
Unsecured Loans - Loan Calculator
GaPac CFCU Visa Classic Credit Card - Up to $10,000 limit	N/A	12.50%
GaPac CFCU Visa Platinum Credit Card - Up to $10,000 limit	N/A	9.50%
Signature Loans - Up to $10,000 limit Line of Credit and/or "CAP" (Checking Account Protection)	24-48 months	11.00% -18.00%

Vehicles and Motorcycles - Loan Calculator
New or Used - 2011 and newer, $25,000 Minimum Loan	84 months	3.50% - 15.50%
New or Used - 2011 and newer, $15,000 Minimum Loan	72 months	3.50% - 15.50%
New or Used - 2011 and newer, $12,000 Minimum Loan	60 months	3.50% - 15.50%
Used - 2006-2010, $25,000 Minimum Loan	84 months	3.75% - 15.50%
Used - 2006-2010, $15,000 Minimum Loan	72 months	3.75% - 15.50%
Used - 2006-2010, $12,000 Minimum Loan	60 months	3.75% - 15.50%
Older/Used - 2005 and older	48 months	7.15% - 16.50%

Boats/ RVs/ Jet Skis - Loan Calculator
New & Used - $20,000 + loan	144 months	7.50% - 16.00%
New & Used - less than $20,000 loan	96 months	7.50% - 16.00%

Farm Equipment - Loan Calculator
New & Used	60 months	9.00% -15.50%

Share Secured Loan - Loan Calculator
Loan Secured to Saving Account or Certificate Account	Up to 120 months	3% Over the Dividend Rate