celebrate the equity in your home

Your home is one of the biggest investments that you will ever make.

​You can benefit from that investment when you make home improvements, take a vacation, pay college expenses or almost anything else. GPO has home equity products such as loans, lines and our unique Flex Equity option to fit your borrowing needs.

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*

HOME EQUITY
Your home is one of the biggest investments that you will ever make. Benefit from that investment when you need to make home improvements, take a vacation, pay college expenses or almost anything else. Borrow funds as you need it, and only pay interest on what you borrow, as you borrow it.

FLEX EQUITY — GPO’S 2-FOR-1 OPTION
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.

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

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

*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.

HOME EQUITY RESOURCES
GPO aims to offer financial wellness resources to educate, improve your financial positions and make your goals. 

​All guides will open in a new window in a portable document format (PDF). A PDF reader is required for viewing. Please make sure Adobe Acrobat Reader is up to date with the latest version.

Flex Equity:
​What you need to know

Home Equity:
​Loan vs. Line

Make the most of
​your home's equity