Rates effective May 17, 2024

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 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

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Account Type Dividend Rate APY*
6 Month 3.445% 3.50%
12 Month 4.410% 4.50%
24 Month 4.169% 4.25%
36 Month 3.928% 4.00%
48 Month 3.928% 4.00%
60 Month 3.928% 4.00%
Kids Only Savings (12 Month) 4.410% 4.50%

 

*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.

IRA Term Share Certificates

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Account Type Dividend Rate APY*
12 Month 4.410% 4.50%
24 Month 4.169% 4.25%
36 Month 3.928% 4.00%
48 Month 3.928% 4.00%
60 Month 3.928% 4.00%

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.

Money Market Share & IRAs

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Balance APR* 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.

Loan Rates

Loan Rates (PDF)
VISA Credit Cards

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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.

Home Equity Fixed Rate

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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*

*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 $11.20 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.

Flex Equity Variable Rate

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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 3.49% 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%. 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 07/27/2023 is 8.50%. 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.

New Auto Loans (2020-2024)

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Term Annual Percentage Rate (APR) as low as
1 to 60 months 6.49% APR*
61 to 66 months 6.99% APR*
67 to 72 months 7.24% APR*
73 to 84 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. Typical monthly payments for a 5 year new auto loan at 6.99% APR would be $20.00 per $1000 borrowed. See branch for full details.

 **2022-2024 models only

Used Auto Loans (2016-2019)

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Term Annual Percentage Rate (APR) as low as
1 to 30 months 6.49% APR*
31 to 42 months 6.59% APR*
43 to 54 months 6.99% APR*
55 to 66 months 7.39% 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 7.39% APR would be $19.99 per $1000 borrowed. See branch for full details.

Payment Saver Lease-Like Loan (2019-2024)

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Term Annual Percentage Rate (APR) as low as
24 to 36 months 7.54% APR*
37 to 48 months 7.54% APR*
49 to 60 months 7.79% APR*
61 to 72 months 8.29% 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 7.54% APR would have 60 monthly payments at $400 each month, and would include a balloon payment amount due at loan maturity of $14,473. Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%. See branch for full details.

New Boat, Motorcycle, or RV Loans (2021-2024)

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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*

*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.

Used Boat, Motorcycle, or RV Loans (2018-2020)

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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 $19.81 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.

Personal Secured Loans

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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

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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 5 year personal loan at 9.99% APR would be $21.25 per $1000 borrowed. See branch for full details.

Mechanical Breakdown Protection Loan

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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.

Overdraft Line of Credit

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  Annual Percentage Rate (APR) as low as
Line of Credit 13.88% 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. Based on credit approval. GPO Classic Checking account and membership required. The Annual Percentage Rate (APR) for an Overdraft Line of Credit Loan is 13.88%. Payments are calculated based on 2% of the outstanding loan balance rounded to the nearest $1.00 with a minimum of $17.00 – whichever is greater on the outstanding loan balance. See branch for full details.

Warm Home Loan

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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.