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GPO Federal Credit Union
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Celebrate with low-rate loans

GPO is known for setting the bar for low interest rates on loans and this year, we're dropping rates even lower on almost every loan product in honor of our 90th anniversary. We have low rates on auto, personal, home loans and Visa balance transfers.
gray car with maroon percentage symbol
90TH ANNIVERSARY AUTO LOAN SPECIAL
​Promotional rates as low as 1.90% apr* for 60 months
Whether you are looking to finance or refinance your auto loan, GPO has great money-saving rates on 2017 model years or newer and no payments due for 90 days.
black house with maroon percentage symbol
90TH ANNIVERSARY FLEX EQUITY SPECIAL
​Introductory rates as low as 0.90% apr* for 6 months OR rates as low as 1.90% apr for 12 months*
GPO's home equity loans are a quick and easy way to get money for all of your home improvement projects and you only need to apply once to take advantage of our two-for-one option. Members can get a one-time loan with an attached line of credit. That means when new projects crop up, you don't have to re-apply ... your line of credit is ready and waiting.
gray credit card and document with maroon percentage symbol
90TH ANNIVERSARY VISA BALANCE TRANSFER SPECIAL
​Promotional rates as low as 3.99% apr* for 24 months with no transfer fee
Move your higher rate card balances to your GPO Visa credit card with no transfer fee. Unlike other cards which add a fee of 3% to the balance you're trying to pay off. 
gray recreational vehicle with red boat on top and red tree in background
90TH ANNIVERSARY RECREATIONAL VEHICLE LOANS SPECIAL
​Rates as low as 2.99% apr* for 66 months
See our loan rates for all rates and terms on new and used recreational vehicle loans.
JOIN AND APPLY ONLINE TODAY
Joining GPO is easy. Everyone who lives, works, attends school or worships in Oneida, Herkimer, Madison, Otsego, Fulton, Montgomery or Hamilton counties can become a GPO member. For more details, read about our membership eligibility.
With a few simple clicks, members can now apply for loans with our GPO at Home online loan application. If getting to the credit union during normal business hours is difficult, then you’re going to love GPO At Home. ​
*By accessing any of the links below, you will be leaving GPO’s website and entering a site not operated by the credit union. Although this is a GPO partner site, we are not responsible for the content.
become a member
apply now
make an appointment
maroon phone with black talking symbols
VISIT ANY GPO BRANCH TODAY
Stop in at any of our branch locations:
​New Hartford | Downtown Utica | South Utica | Barneveld | Oneida | Ilion | Dolgeville | Coming soon: Rome
Contact us at (315) 724-1654 or visit us online at gpofcu.com
AUTO LOANS:
*Membership eligibility required. Credit restrictions apply. Rates based on credit history. 2017-2021 models only. Excludes Payment Saver. Existing GPO loans cannot be refinanced with promotional rates. Not valid with any other offer. Rates are subject to change. See branch for full details.
HOME EQUITY:
*Membership eligibility required. Rates based on credit worthiness. Restrictions apply. Home equity offer is valid for new home equity loans only. Existing lines with new advances do not qualify. Rate converts to GPO’s current line of credit rate, prime rate, at the end of the 6th or 12th month. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. Rates subject to change. See branch for full details.
​*After 6 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 3/15/2020 is 3.25%. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not to exceed 16.00% APR. 
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%. 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.
VISA BALANCE TRANSFER:
*Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. Rates subject to change. See branch for full details.
RECREATIONAL VEHICLE LOANS:
*Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. Rates subject to change. See branch for full details.

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4311 Middle Settlement Road
New Hartford, NY 13413
​
Phone: (315) 724-1654
​
Email: gpofcu@gpofcu.com
Routing number: 221380761​

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Equal housing lender and NCUA logos.
Member eligibility is required. Federally insured by the NCUA. Equal Housing Lender. Your savings is 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.
© COPYRIGHT 2021
  • Accounts
    • Checking Accounts >
      • Classic Checking
      • Value Checking
      • Check Reorder
    • Savings Accounts >
      • Accounts types and rates
      • Kids' Cash Savings
      • Health Savings Account
    • Accessing Your Account
    • Online Account Access
    • Mobile Banking App
    • Easy Pay
  • Loans
    • Auto Loans
    • Personal Loans
    • Visa Credit Card
    • Home Equity
    • Student Loans
    • Member Business Loans
    • Mortgage
  • Rates
    • Loan Rates
    • Savings Rates
  • Services
    • ATM Locations >
      • Utica area
      • Mohawk Valley
      • Oneida area
      • Syracuse area
    • Your Rewards
    • Reg-E Overdraft Consent
    • Get Paid a Day Early
    • DocuSign Services
    • Auto Center
    • Insurance options >
      • Credit Life and Disability
      • Guaranteed Asset Protection
      • Mechanical Repair Coverage
      • TruStage Insurance
    • Autos & Properties for Sale
    • Skip-A-Pay
    • Prime Times Club
  • Education
    • COVID-19 >
      • Loan relief options
      • Digital banking options
      • COVID resources
      • COVID: Kids Education
      • Stimulus: Ways to spend
    • Financial Counseling
    • Identity Theft >
      • Identity theft video series
      • Child identity theft
      • Senior identity theft
      • Debit and Credit Safety
      • Phishing
      • Mobile Banking Security
      • Identity Theft FAQs
    • Financial Education Videos
    • Zogo financial literacy app
    • Kids' Cash Corner
    • It's a Money Thing
    • Online Defensive Driving Course
    • Calculators
  • About
    • Who is GPO? >
      • The Difference
      • Annual Reports
      • GPO Management Team
    • Community >
      • Community Calendar
      • Sponsorships
      • Scholarships
      • Workshops
    • Subscribe to Emails
    • Branch Locations
    • Careers
    • Holiday Closings
    • GPO Frequently Asked Questions
    • Contact Us
  • Join
  • Apply for a loan
  • Make an appointment