5420 Peachtree Ind. Blvd.
Norcross, GA 30071

Tel: +770-246-4362

Rates

Deposit Accounts

Share Accounts

SAVINGS 1.75% APR 1.76% APY
$50 Minimum $75,000 Maximum (Maximum deposit per quarter is $5,000)

*An additional 1.70% was paid at 2013 year end

 

Loan Accounts

Unsecured Loans (Signature and Vacation)
Vacation loans are available year round

Signature (up to $500) 18% APR Up to 12 months
Signature ($501 to $1,500) Base Rate 7% APR* Up to 36 months
Vacation ($800 to $2,400) Base Rate 7% APR** Up to 12 months
(Signature loans, excluding vacation loans, can be renewed once they are paid down to the half-way point, only if the term of the original loan was twelve months or longer. 05292014)
Vehicle Loans

New Vehicles Base Rate 1.75% APR* Up to 48 months
New Vehicles Base Rate 2.00% APR* Up to 60 months
New Vehicles (minimum loan $25,000) Base Rate 2.25% APR* Up to 72 months
Used Vehicle Base Rate 2.50% APR* Up to 48 months
Used Vehicle (up to four years old) Base Rate 2.75% APR* Up to 60 months
Motorcycles Base Rate 7.80% APR* Up to 48 months

 

Fees And Disclosures

Deposit Account Fees

Excessive Withdrawal Fee $3.00
Return Check Fee $25.00
Loan Account Fees

Application Fee $10.00
Vehicle Title Fee $18.00
Monthly Service Charges

Direct Deposit Checking Free
Regular Checking $5.00
Second Chance Checking – $10.00 $10.00
Account Fees

NSF – Per Item $25.00
Overdraft Protection Transfer Fee $5.00
Returned Item Fee $25.00
ATM Transaction Fee – First three Free
ATM Transaction Fee – After three – per transaction $1.00
Stop Payment – per item $25.00
Statement History or Reproduction of Statement – per page $1.00
Balancing of Account By GPCU Personnel – for first hour $10.00
Balancing of Account By GPCU Personnel – for each additional hour $5.00
Creditor Letters $10.00

* Credit Score is used to determine rates.

**Credit Score is used to determine rates and loan amount for vacation loans.

The Credit Score ranges we use follows:
690 & above Base Rate
660 to 689 Base Rate plus 1.00%
620 to 659 Base Rate plus 3.00%
590 to 619 Base Rate plus 7.00%
540 to 589 Base Rate plus 9.00%
500 to 539 Base Rate plus 11.00%

We obtain credit reports for our applicants from Equifax.

All loans are subject to credit approval. Some restrictions may apply.