Does building credit help your future?
We’d say so. With Save & Boost Credit Loan, build or improve your credit while simultaneously growing your savings.
Features You’ll Love
- Build or rebuild your credit
- Competitive rates on your balance
- Free financial coaching to empower your journey
The Save & Boost Credit Loan offered exclusively by GPO Federal Credit Union is designed to help you build or improve your credit while simultaneously growing your savings.
Here's a simple breakdown of how it works:
- Loan Setup: GPO sets aside a loan amount you choose—ranging from $1,000 to $2,500—into a savings account. Instead of receiving the loan money upfront, we set it aside in a savings account.
- Making Payments: You make regular monthly payments toward this loan. Each payment is reported to Experian and TransUnion credit bureaus, helping to establish or enhance your credit history.
- Accessing Funds: After you've fully paid off the loan, the money in the savings account, along with any earned interest, becomes available to you.
This process not only aids in building a positive credit record but also results in accumulated savings by the end of the loan term.
Boost Your Credit Score with Free Financial Counseling!
Your credit score is one of the most important measures of your financial health. Lenders use your credit score as an indicator of your creditworthiness. The higher your score, the easier it will be to secure new loans or lines of credit at lower interest rates. If you have a low credit score, not only can it be more difficult to secure financing, but you’ll also pay much higher interest rates.
Now, it’s easier than ever to get tips for improving your credit score with the help of GPO’s Financial Counselors and GPO’s financial program, BALANCE. It’s free, secure and available to offer automated, personalized financial advice day or night.
Who should apply for the Save & Boost Credit Loan?
Whether you’re starting fresh or picking up where you left off, our Save & Boost Credit Loan is a great way to establish or restore a positive credit history and build your savings at the same time!
What is a Save & Boost Credit Loan?
Our Save & Boost Credit Loan helps you build or rebuild your credit while growing your savings. Instead of receiving the loan money upfront, we set it aside in a savings account. As you make on-time monthly payments, we report them to the credit bureaus, helping to improve your credit score. Once the loan is fully paid off, you get access to the saved funds—plus any interest earned!
When do I receive the funds?
Your funds and earned dividends are held in a secured savings account while you make monthly payments on your loan. Loan funds are then made available when your loan is paid in full.
Can I pay off the loan early?
Regular monthly payments are important to building a positive credit history. If you secure a Save & Boost Credit Loan, you should plan to make consistent payments through the loan’s scheduled completion date.
How much will the loan improve my credit score?
There's no guarantee as to how much GPO’s Save & Boost Credit Loan will improve your credit score because there are many different variables that can impact your credit score. However, your credit report will reflect your successful completion of on-time, scheduled payments – an important factor in improving your score.
Is there a fee to get the loan?
There are no application or origination fees for the Save & Boost Credit Loan.
Once I pay off the Save & Boost Credit Loan, will I qualify for another loan with GPO?
Completing the Save & Boost Credit Loan doesn’t automatically qualify you for additional loan products, but our underwriters do consider several factors when reviewing your loan request - including credit history and financial standing. Therefore, successful completion of your Save & Boost Credit Loan can provide evidence of your financial responsibility.
What's makes the Save & Boost Credit Loan different from other loans?
A Save & Boost Credit Loan is designed to establish a positive credit history while building savings for the future. Loan funds are placed in an account for safekeeping while you make scheduled payments.
*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. See branch for full details.
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.