Auto Calculators

Auto Loans - Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!

Lease vs. Buy - Should you lease your next automobile or finance it? Find out with this calculator!

Loan Calculators

Amortizing Loan Calculator - Enter your desired payment - and let us calculate your loan amount or enter in the loan amount and we will calculate your monthly payment!

Loan Comparison Calculator - Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Personal Finance Calculators

Personal Debt Consolidation - Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.

Home Budget Analyzer! - Analyze your budget, see where your money goes and find out where you can improve!

Mortgage Calculators

Mortgage Payoff - Save thousands of dollars in interest by increasing your monthly mortgage payment.

Refinance Breakeven - Use this calculator to see how much interest you can save if you refinance your mortgage.

Loan Rates

When applying for a GSCU loan, an individual must be eligible/approved for membership and open a share account. Most interest rates are determined using risk-based lending procedures. The individual's final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate(s). Payments are determined on various factors; rate, terms, credit life/disabilithy insurances etc. GSCU offers lower, competitive interest rates that are set/designed to help save its member's money. Be sure to ask for details.

Auto & Recreational Vehicles
Effective Date: New: 05/23/2014 Pre-Owned: 05/23/2014
New - As Low As:
Future/Current Model/1 yr. old
model yr.
1.49% up to 36 mos.
  1.99% up to 48 mos.
  2.49% up to 60 mos.
  2.74% up to 72 mos.
  3.00% up to 84 mos.
Recreational Only 3.99% up to 96 mos.
Recreational Only 4.99% up to 120 mos.
Recreational Only 5.99% up to 180 mos.
Pre-owned** - As Low As:
2 yr. old model 2.49% up to 48 mos.
  2.74% up to 72 mos.
Recretional Only 4.24% up to 96 mos.
Recreational Only 5.24% up to 120 mos.
3 yr. old model 2.99% up to 48 mos.
  3.24% up to 72 mos.
Recreational Only 4.99% up to 96 mos.
Recreational Only 5.49% up to 120 mos.
4 yr. old model 3.24% up to 48 mos.
  3.99% up to 72 mos.
Recreational Only 5.49% up to 96 mos.
Recreational Only 5.99% up to 120 mos.
Recreational 4.24% up to 72 mos.
  5.49% up to 96 mos.
  6.49% up to 120 mos.
*APR = Annual Percentage Rate. **Used Auto Loans up to 72 mos.

Unsecured Loans
Effective Date: 10/01/2013
Home Improvement Loan as low as 3.99% Up to 3 years. Call for terms/rates
Loan Special as low as 4.99% Up to 12 months. No Minimum. Call for Details.
Personal Loan as low as 5.24% Up to 1 year.
Personal Loan as low as 5.49% Up to 2 years.
Personal Loan as low as 5.74% Up to 3 years.
Personal Loan as low as 6.24% Up to 4 years.
Personal Loan as low as 6.49% Up to 5 years.
Tuition Loan as low as 2.24%** Up to 18 months
*APR = Annual Percentage Rate. **Check payable to institution attending.

Back to Top

Secured Loans
Effective Date: 10/01/2013
Share Secured Loan 3.00% Up to 36 mos.
Share Secured Loan 3.50% Up to 60 mos.
Share Secured Loan 4.00% Up to 84 mos.
*APR = Annual Percentage Rate.

Home Equity Loans
Effective Date: 06/01/13
Home Equity - Line of Credit 3.74% (Effective 06/01/2014) 5/7 Line of Credit
  5.49% (Effective 06/01/2014) 10/10 Line of Credit
Home Equity-Closed End 2.74% (Effective 06/01/2014 5 Years Closed End
Home Equity-Closed End 2.99% (Effective 06/01/2014) 10 Years Closed End
Home Equity - Closed End 5.24% (Effective 06/01/2014) 15 Years Close End
*APR=Annual Percentage Rate

Truth in Lending Disclosure

We are proud to offer our members online loan & credit management. Browse our informative articles, use our financial calculators, and find great resources to help make these important decisions easier and more convenient.

Back to Top

*Rate-Interest Rate
**APY = Annual Percentage Yield

Real estate loans are based on availability of funds. 100% Loan to Value (LTV) on Home Equity products has been suspended until further notice. Disclosures/fact sheets are available upon request.

Rates are subject to change without notice. Exceptions may apply.

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
Unauthorized access or use of this website is not permitted and may constitute a crime punishable by Law