Gulf Trust Federal Credit Union
OFFERING QUALITY, ECONOMICAL FINANCIAL SOLUTIONS FOR ALL HEALTHCARE EMPLOYEES AND THEIR FAMILIES.

WE WILL MATCH ANY LOAN RATE FOR QUALIFIED MEMBERS!

 

APR(annual percentage rate) and loan amount  is based on your credit score.

All secured loans- APR range  2.25%- 18.50%

Unsecured loans-  APR range 7.50%- 21%

VIP members get a discount (qualifications apply)

 

Loan Rates as of 01/01/21

Rate Description

90 day

12 mo

18/24 mo

36 mo

48 mo

60 mo

72 mo

84 mo

Grade A+
unsecured
7.50 7.50 7.50 7.50 7.50 7.50 up to
$20,000
Grade A
unsecured
9.75 9.75 9.75 up to
$2,500
9.75 9.75 up to
$5,000
9.75 up to
$10,000
Auto 3.50 2.25 2.25 7.50 2.25 2.25 up to
$15,000
3.99 4.99
Other collateral 3.50 3.50 4.00 4.50 4.99 4.99 4.99 4.99
Grade B
unsecured
12.75 12.75 13.25 up to
$2,500
13.75 14.25 up to
$5,000
14.75 up to
$10,000
Auto 4.99 4.99 4.99 4.99 4.99 5.99 6.99
Other collateral 5.75 5.75 6.25 6.25 7.25 8.00 8.00
Grade C
unsecured
15.25 15.25 16.25 up to
$2,500
16.50 16.75 up to
$5,000
Auto 7.95 7.95 7.95 7.95 7.95 8.95
Other collateral 8.75 8.75 9.25 10.25 11.25 12.50
Grade D
unsecured
18 18 18 up to
$2,500
18 up to
$3,500
Auto 11.75 11.75 12.50 13.50 14.50 15.50
Other collateral 11.75 11.75 12.50 13.50 14.50 15.50
Grade E
unsecured
18 18 18 up to
$2,000
Auto 13.75 13.75 15.50 16.50 17.50 18.00
Other collateral 13.75 13.75 15.50 16.50 17.50 18.00

Members should call the credit union to verify rates. Other loans and rates are available, contact the Credit Union for more information.

 

 

Certificates Rates as of 10/22/2020

Rate Description

Term

Dividend Rates

APY

$1,000-$40,000 3 month 0.35% 0.35%
$40,000-$80,000 3 month 0.40% 0.40%
over $80,000 3 month 0.45% 0.45%
$1,000-$40,000 6 month 0.40% 0.40%
$40,000-$80,000 6 month 0.45% 0.45%
over $80,000 6 month 0.50% 0.50%
$1,000-$40,000 12 month 0.60% 0.60%
$40,000-$80,000 12 month 0.65% 0.65%
over $80,000 12 month 0.70% 0.70%
$1,000-$40,000 18 month 0.70% 0.70%
$40,000-$80,000 18 month 0.75% 0.75%
over $80,000 18 month 0.80% 0.80%
$1,000-$40,000 24 month 0.90% 0.90%
$40,000-$80,000 24 month 0.95% 0.95%
over $80,000 24 month 1.00% 1.00%
$1,000-$40,000 36 month 0.95% 0.95%
$40,000-$80,000 36 month 1.00% 1.00%
over $80,000 36 month 1.05% 1.05%
$1,000-$40,000 48 month 1.10% 1.11%
$40,000-$80,000 48 month 1.15% 1.16%
over $80,000 48 month 1.20% 1.21%

NOTE: Early withdrawal penalties apply to all certificates.

 

 

Regular Savings/Shares Rates as of 10/22/20

Rate Description

Term

Dividend Rates

APY

Regular Shares 0.25% 0.25%
Christmas Club 1 year 1.00% 1.00%
Vacation Club 0.25% 0.25%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

 

 

IRAs Rates as of 10/22/20

Rate Description

Term

Dividend Rates

APY

same as regular shares none 1.60% 1.61%
SAME AS ANY CERTIFICATE SAME AS ANY CERTIFICATE 0.00% 0.00%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

 

 

Share Draft Rates as of 12/19/19

Rate Description

Term

Dividend Rates

APY

transaction account none 0.30% 0.30%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

 

 

Money Market Rates as of 12/19/19

$0-$1000 0
$1000-$40,000 .40 rate .4028 apy
$40,000-$80,000 .45 rate .4532 apy
Over $80,000 .50 rate .5036 apy