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.
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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.
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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.
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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.
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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.
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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.
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.
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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
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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.
*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.
*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.
*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.
*Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. Rates subject to change. See branch for full details.
