Rates effective November 11, 2022

Every new GPO membership begins with a regular savings account, which is GPO's Share Savings Account. GPO offers a variety of savings accounts with competitive rates providing you with a safe and secure place to put your money.

Savings Rates

Savings Rates (PDF)
Share Savings

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Account Type APR* 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%

*Annual percentage rate and annual percentage yield. Dividends are credited monthly based on day of deposit, day of withdrawal. Minimum balance of $50.01 is required to earn interest on all account types except Kids' Cash Savings. Interest earnings may be affected by fees.

**Club Accounts include Special Purpose, Christmas, 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

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Account Type APR* APY*
6 Month 2.227% 2.25%
12 Month 2.716% 2.75%
14 Month Special** 4.025% 4.10%
22 Month Special** 4.218% 4.30%
24 Month 2.862% 2.90%
36 Month 2.96% 3.00%
48 Month 3.008% 3.05%
60 Month 3.057% 3.10%
Kids (12 Month) 2.716% 2.75%

*Annual percentage rate and annual percentage yield. 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. Interest earnings may be affected by fees.

**APY (Annual Percentage Yield). 4.10% APY based on 14 month certificate special. 4.30% APY based on 22 month certificate special. Minimum balance of $1,000 and must maintain minimum balance to earn advertised rate. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate specials will automatically renew to GPO’s 24 month certificate at the prevailing rate at the time of maturity. Rate is accurate as of November 8, 2022. 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.

IRA Term Share Certificates

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Account Type APR* APY*
12 Month 2.716% 2.75%
14 Month 4.025% 4.10%
22 Month 4.218% 4.30%
24 Month 2.862% 2.90%
36 Month 2.96% 3.00%
48 Month 3.008% 3.05%
60 Month 3.057% 3.10%

Account Type: Traditional, Roth and Educational

*Annual percentage rate and annual percentage yield. Dividends are compounded and posted monthly. There are penalties for early withdrawal. Minimum balance of $1,000 or $500 on education IRAs. Interest earnings may be affected by fees.

Money Market Share & IRAs

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Balance APR* APY*
$2,000 to $19,999.99 0.995% 1.00%
$20,000 to $49,999.99 1.094% 1.10%
$50,000 and up 1.292% 1.30%

Account Type: Traditional, Roth and Educational

*Annual percentage rate and annual percentage yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Interest earnings may be affected by fees.

Loan Rates

Loan Rates (PDF)
VISA Credit Cards

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Card APR as low as
Visa Platinum 7.99%*
Visa Balance Transfer 3.99% for 12 months

* Credit restrictions apply. Rates based on credit history.

Home Equity Fixed Rate

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Term APR as low as
1 to 60 Months 3.99%
61 to 120 Months 4.99%
121 to 180 Months 5.49%
181 to 240 Months 5.99%

Fixed Rate: 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 would be $9.89 per $1,000 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.

Flex Equity Variable Rate

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Term APR as low as
6 Months 1.90%

Variable Rate: 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. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. Rates subject to change. 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 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 11/3/2022 is 7.00%. 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.

New Auto Loans (2019-2023)

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Term APR as low as
1 to 60 months 4.74%
61 to 66 months 4.99%
67 to 72 months 5.49%
73 to 84 months* 5.74%

* 2021-2023 only

Used Auto Loans (2015-2018)

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Term APR as low as
1 to 30 months 4.74%
31 to 42 months 5.09%
43 to 54 months 5.49%
55 to 66 months 5.89%
Payment Saver Lease-Like Loan (2017-2023)

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Term APR as low as
24 to 36 months 5.39%
37 to 48 months 5.39%
49 to 60 months 5.64%
61 to 72 months 6.14%

Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%.

New Boat, Motorcycle, or RV Loans (2020-2023)

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Term APR as low as
1 to 66 months 5.49%
67 to 84 months 6.29%
85 to 120 months* 6.99%
121 to 180 months* 7.99%

*Minimum loan amount is $40,000, maximum loan-to-value = 90%

Used Boat, Motorcycle, or RV Loans (2017-2019)

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Term APR as low as
1 to 66 months 5.99%
67 to 84 months 6.99%
85 to 120 months** 7.99%
121 to 180 months** 9.99%

**Minimum loan amount is $40,000, maximum loan-to-value = 90%

Personal Secured Loans

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Term APR as low as
1 to 36 months 7.74%
37 to 48 months 8.74%
49 to 63 months 9.74%
Personal Unsecured Loans

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Term APR as low as
1 to 36 months 7.99%
37 to 48 months 8.99%
49 to 63 months 9.99%
Mechanical Breakdown Protection Loan

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Term APR as low as
12 to 36 months 5.49%
Warm Home Loan

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Term APR as low as
1 to 12 months 3.99%
Holiday Loan

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Term APR as low as
1 to 12 months 3.99%