Want to work with a mortgage partner who knows the community?
At GPO, our loan advisors are here to help you buy a new home, explore refinancing options, and much more.
Features You’ll Love
- Competitive rates
- Diverse loan solutions available
- Flexible refinancing options
Competitive rates for home purchase, refinance, or construction.
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to your unique situation
- Variety of financing programs available
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-qualification for extra confidence when buying your home
- Refinance your current home to potentially lower your rate
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
"I have deep roots in the Mohawk Valley, having grown up in Ilion, attended school in Mohawk, and now residing in South Utica, I truly value living and working in this community. My family, which includes my wonderful husband and our adorable one-year-old son, is the most important part of my life.
I have had the privilege of calling GPO my professional home for nearly six years, and I bring over a decade of experience in home lending. I began my career by assisting individuals with home equity loans, and my passion for this work evolved into my current role, where I help people achieve the dream of homeownership. Guiding clients toward this milestone is the most rewarding aspect of my job.
I thrive on challenges and take pride in finding solutions when others may have given up. There is nothing more fulfilling than helping a family succeed in reaching their goals.
Outside of work, I enjoy spending quality time with my family, traveling, and seeking out sunny destinations wherever I can. With family members spread across the globe, I am fortunate to have the opportunity to visit and explore many unique and exciting places."
For mortgage inquiries:
Lisa Wilson | Mortgage Originator
MLO # 1233861
(315) 724-1654 ext. 2955 or [email protected]
For other home lending inquiries:
Member Service Center
(315) 724-1654 option 2 or [email protected]
GPO's In-House Fixed Rate Mortgage Product
GPO's Lifestyle Mortgage is the perfect option for members who want a mortgage with a historically low-rate and less-than-average closing costs.
Lifestyle mortgages stay with GPO for the life of the loan and not sold to the secondary market.
- Fixed rate mortgages
- 20, 15 or 10-year terms available
- Easy payment plans that can save you thousands of dollars over the term of the loan
- Up to 90% financing*
- No points
- 60-day rate lock
- Average closing costs are less than typical
- No Mortgage Insurance is required.
- Cash-out is allowed
- Minimum loan amount is $50,000
- Primary residence, second home or investment property.
- Refinances are allowed
*Restrictions may apply for loans other than a purchase of a primary residence. Escrow is not available.
Mortgages Made Easy for First-Time Buyers
HomeSweetHome is a turn-key mortgage product that offers affordable, low down payment financing for low to moderate-income first-time homebuyers.
- As little as 3% down payment
- Up to 6% in seller concessions
- Reduced PMI
- Affordable interest rates
- No points
- Loan terms up to 30 years
GPO is a shareholder of OwnersChoice Funding. OwnersChoice Funding serves credit union members throughout New York by offering a variety of mortgage options with competitive rates.
Members with mortgage loans serviced through our mortgage partner, OwnersChoice Funding (OCF), have the ability to make their payments via ACH to OCF, mail a check to OCF or now pay their mortgage on their internal GPO account at the teller line or via mobile and online within their GPO account to their OCF mortgage suffix.
Members will now be able to log in online and see a suffix set up on their GPO account that will be associated with their OCF mortgage. This suffix will be #50 – and described as 1st MORT OWNCH. This suffix is set up solely for making payments on your mortgage account.
Ideal for Long-Term Living
For those who prefer regular payments with no surprises, with limited or fixed income, who plan to stay in the home a long time. Or, for those who are buying when rates are low.
- 30, 20, and 15-year terms available
- Extended rate locks
- Purchase and refinance existing mortgages with a fixed rate, can also be used for a second home, investment properties, one to four-family homes, condos, manufactured homes, housing and urban development properties (HUD), and planned unit development (PUD) properties.
Flexible financing for short-term plans.
For those who want to free up money in the short term for other investments, or that plan to move or refinance within a few years. This may also allow you to qualify for a larger loan amount than you would be able to with a fixed-rate mortgage.
- One year ARMs, convertible and non-convertible
- Extended rate locks
- 5/1, 7/1, and 10/1 ARMs available
- Purchase and refinance mortgages with up to 95% financing. Also can be used for one to four-family homes, condos, manufactured homes, housing and urban development properties (HUD), and planned unit development (PUD) properties.
- Attractive capping structure
Stay ahead of the market with Flex ARM.
In this rising rate environment, flexibility is key! The Flex ARM offers a low interest rate for a fixed period of time, resulting in a more affordable payment.
7/1 ARM
- Fixed rate for the first 7 years
- Rate is 1.25% below 30-year rate
- 30 Year Repayment Term
10/1 ARM
- Fixed rate for the first 10 years
- Rate is 1.00% below 30-year rate
- 30 Year Repayment Term
Federal Housing Administration Mortgage (FHA)
For those who have limited funds available for a down payment (as low as 3.5%), or if the down payment will be gifted.
- You can have a lower minimum credit score to qualify for a Federal Housing Administration (FHA) mortgage, but will still need a regular income and employment stability
- This mortgage option may help if you have a previous bankruptcy or foreclosure
VA Mortgage
For eligible veterans, service members, and surviving spouses, this option has no down payment requirement under certain conditions, and private mortgage insurance is not required.
USDA Mortgage
For low and moderate- income rural home buyers in a qualifying region. There is no down payment required, and sellers concessions are allowed.
GPO is a shareholder of OwnersChoice Funding. OwnersChoice Funding serves credit union members throughout New York by offering a variety of mortgage options with competitive rates.
Members with mortgage loans serviced through our mortgage partner, OwnersChoice Funding (OCF), have the ability to make their payments via ACH to OCF, mail a check to OCF or now pay their mortgage on their internal GPO account at the teller line or via mobile and online within their GPO account to their OCF mortgage suffix.
Members will now be able to log in online and see a suffix set up on their GPO account that will be associated with their OCF mortgage. This suffix will be #50 – and described as 1st MORT OWNCH. This suffix is set up solely for making payments on your mortgage account.
NMLS# 411598
Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc. The payment examples do not include mortgage insurance. The actual payment will be higher if mortgage insurance is required on your loan.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Flex Equity Variable Rate
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 6 Months | Intro rate as low as 2.99% APR* |
| 12 Months | Intro rate as low as 3.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Restrictions apply. Existing lines with new advances do not qualify. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. See branch for full details. Rate converts to GPO’s current line of credit rate, at the end of the 6th or 12th month. After 6 or 12 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 9/17/2025 is 7.25%. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not to exceed 16.00% APR. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $958.50 for a $50,000 loan or $1,333.50 for a $100,000 loan. Homeowners insurance is required. Consult a tax advisor for deductibility for interest.
Holiday Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Holiday loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $2,000. See branch for full details.
Home Equity Fixed Rate
First Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.24% APR* |
| 61 to 120 Months | 6.24% APR* |
| 121 to 180 Months | 6.74% APR* |
| 181 to 240 Months | 6.99% APR* |
Second Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.74% APR* |
| 61 to 120 Months | 6.74% APR* |
| 121 to 180 Months | 7.24% APR* |
| 181 to 240 Months | 7.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Monthly payments for 10 years at 6.24% would be $11.23 per $1,000.00 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges.
IRA Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 12 Month | 3.784% | 3.85% |
| 24 Month | 3.590% | 3.65% |
| 36 Month | 3.590% | 3.65% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Minimum balance of $1,000 or $500 on education IRAs. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
Mechanical Breakdown Protection Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 12 to 36 months | 5.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 3 year MBP loan at 5.49% APR would be $30.20 per $1000 borrowed See branch for full details.
Money Market Share & IRAs
| Balance | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $19,999.99 | 1.292% | 1.30% |
| $20,000 to $49,999.99 | 1.391% | 1.40% |
| $50,000 and up | 1.588% | 1.60% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividends are compounded and posted monthly. Dividend earnings may be affected by fees. The rate on a money market share & money market IRA is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
New Auto Loans (2022-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 5.49% APR* |
| 61 to 66 months | 5.99% APR* |
| 67 to 72 months | 6.24% APR* |
| 73 to 84 months** | 6.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new auto loan at 5.49% APR would be $19.10 per $1000 borrowed. See branch for full details.
**2024-2026 models only
New Boat, Motorcycle, or RV Loans (2023-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.49% APR* |
| 67 to 84 months | 7.29% APR* |
| 85 to 120 months | 8.49% APR* |
| 121 to 180 months | 9.49% APR* |
Qualifications
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new boat, motorcycle or RV loan at 6.49% APR would be $19.57 per $1000 borrowed. Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
Overdraft Line of Credit
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Line of Credit | 13.88% APR* |
Payment Saver Lease-Like Loan (2020-2026)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 24 to 60 months | 6.49% APR* |
| 61 to 72 months | 7.24% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. A typical Payment Saver loan of $30,000 at 6.49% APR would have 60 monthly payments at $406 each month, and would include a balloon payment amount due at loan maturity of $12,970. Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%. See branch for full details.
Personal Secured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 7.74% APR* |
| 37 to 48 months | 8.74% APR* |
| 49 to 63 months | 9.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year secured loan at 9.74% APR would be $21.13 per $1000 borrowed. See branch for full details.
Personal Unsecured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 8.99% APR* |
| 37 to 48 months | 8.99% APR* |
| 49 to 63 months | 9.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 4 year personal loan at 8.99% APR would be $24.88 per $1000 borrowed. See gpofcu.com or any GPO branch for full details.
Share Savings
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Share Savings | 0.25% | 0.25% |
| Loan Payment Share Savings | 0.25% | 0.25% |
| Kids' Cash Savings | 0.25% | 0.25% |
| Club Accounts** | 0.25% | 0.25% |
| (HSA) Health Savings Account*** | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Minimum balance of $50.01 is required to earn interest on all account types. Dividends are compounded and paid monthly. Dividend earnings may be affected by fees. The rate on a share savings account is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**Club Accounts include Special Purpose, Christmas, and Vacation Accounts
***Health Savings Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements. Please see any branch for full details.
Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 3.203% | 3.25% |
| 12 Month | 3.784% | 3.85% |
| 24 Month | 3.590% | 3.65% |
| 36 Month | 3.590% | 3.65% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
| Kids Only Savings (12 Month) | 3.784% | 3.85% |
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Refer to certificate for details. Minimum balance of $1,000.00 is required for all account types except Kids Only Savings which require a minimum balance of $250.00. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
Used Auto Loans (2018-2021)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 6.49% APR* |
| 61 to 66 months | 6.89% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used auto loan at 6.49% APR would be $19.57 per $1000 borrowed. See branch for full details.
Used Boat, Motorcycle, or RV Loans (2020-2022)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.99% APR* |
| 67 to 84 months | 7.99% APR* |
| 85 to 120 months** | 8.70% APR* |
| 121 to 180 months** | 10.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used boat, motorcycle or RV loan at 6.99% APR would be $19.80 per $1000 borrowed.**Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
VISA Credit Cards
| Card | Annual Percentage Rate (APR) as low as |
|---|---|
| Visa Platinum | 7.99% APR* |
| Visa Balance Transfer | Intro rate as low as 3.99% APR** for 12 months |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates are determined by overall credit history and are subject to change without notice. Minimum interest charge is $1.00. Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount. See any GPO branch for full details.
**APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. After the 12 month introductory rate, the transfer rate will revert to the normal card rate as low as 7.99% APR. Rates subject to change. See branch for full details.
Warm Home Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Warm Home loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $3,000. See branch for full details.