Personal Rates

Loans

Home Loans

Auto Loans

Rates As Low As
New Auto
1.99% APR*
Used Auto
1.99% APR*

*APR = Annual Percentage Rate. APR based on payment method, creditworthiness, loan terms and collateral. 1.99% APR includes enrollment in Member Advantage program. Rates, terms and conditions are subject to change.

Credit Cards

Rates As Low As
Visa Platinum
6.99% APR*
U22 Visa
6.99% APR*
Visa Secured
16.99% APR
Business Visa Platinum Partner
8.99% APR*
Business Visa Platinum Standard
13.99% APR*

*Rate will be based on your credit worthiness. Annual Percentage Rate as of December 13, 2010. Annual percentage rates, terms, and conditions subject to change. Please review our Credit Card (Regulation Z) Disclosure for terms and conditions.

Secured Loans

Rates As Low As
Recreational Vehicles
6.50% APR*
Boats & Personal Watercrafts
6.50% APR*
Motorcycles (except Premier)
9.00% APR*
Premier Motorcycles**
7.00% APR*
Travel Trailers
6.50% APR*
*Annual Percentage Rate requires automatic payment and Member Advantage Program status. Rates effective November 1, 2011. Rates, terms and conditions are subject to change without notice. The APR will be determined by your credit worthiness. **Premier Motorcycles include Harley Davidson, Ducati, BMW and Big Dog.

Personal Loans

Rates As Low As
Signature Loan
10.15% APR*
Personal Line of Credit
10.65% APR**
*Annual Percentage Rate requires automatic payment discount and Member Advantage Program status. Rates effective March 1, 2011. Rates, terms and conditions are subject to change without notice. The APR will be determined by your credit worthiness.
**Rates effective March 1, 2011. Rates, terms and conditions are subject to change without notice. The APR will be determined by your credit worthiness.

Checking

Checking Accounts

Balance Dividend RateAPY*Member Advantage Dividend Rate Member Advantage APY*
$0.01-$500
0.00%
0.00%
6.78%
6.99%
$500+
0.00%
0.00%
0.15%
0.15%
GTE Financial checking is free. However, if incurred, fees such as stop payment or NSF fee will apply. Please refer to the GTE Schedule of Current Charges for a list of these types of fees.
*APY=Annual Percentage Yield as of December 1, 2012. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. 6.99% APY only available on your primary checking account.

Savings

Savings Account

Balance Dividend RateAPY*Member Advantage Dividend Rate Member Advantage APY*
$0.01-$100
0.00%
0.00%
6.78%
6.99%
$100-$500
0.10%
0.10%
6.78%
6.99%
$500+
0.10%
0.10%
0.15%
0.15%
*Annual Percentage Yield as of December 1, 2012 and any fees could reduce earnings on this account. Annual percentage yields, terms and conditions subject to change without notice. 6.99% APY only available on your primary savings account. Regulation D withdrawal limits apply to all share and money market accounts.

Special Savings Account

Balance Dividend RateAPY*
$0.01-$100
0.00%
0.00%
$100+
0.10%
0.10%
*Annual Percentage Yield as of December 1, 2012 and any fees could reduce earnings on this account. Annual percentage yields, terms and conditions subject to change without notice. Regulation D withdrawal limits apply to all share and money market accounts.

Health Savings Account

Balance Dividend RateAPY*
HSA Checking
1.25%
1.26%
*Annual Percentage Yield as of December 1, 2012 and any fees could reduce earnings on this account. Annual percentage yields, terms and conditions subject to change without notice.

Share Certificates

Balance Dividend RateAPY*Member Advantage Dividend Rate Member Advantage APY*
6 month
0.10%
0.10%
0.35%
0.35%
12 month add-on**
0.45%
0.45%
0.70%
0.70%
18 month
0.65%
0.65%
0.90%
0.90%
24 month
0.75%
0.75%
1.00%
1.00%
30 month
0.85%
0.85%
1.10%
1.10%
Step Up 30 month††
0.75%
0.75%
1.00%
1.00%
36 month
1.25%
1.26%
1.50%
1.51%
48 month
1.45%
1.46%
1.70%
1.71%
60 month
1.65%
1.66%
1.89%
1.91%
†Minimum balance of $500 to open. All certificates are also offered as Traditional IRA certificates, Roth IRA certificates, Coverdell Education Savings Account (ESA) certificates and SEP certificates. In addition, prior to opening an IRA certificate (Traditional, Roth, SEP) or Coverdell ESA certificate, you must have or establish an IRA or Coverdell ESA with GTE Financial. With the exception of the 12 month add-on share or IRA certificate, you may not add any additional money to your certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties may or will apply if the certificate is closed before the maturity date. You can withdraw up to 10% of the principal plus dividends one time per year (20% of the current balance if over 59 1/2 years old) with no early withdrawal penalty on IRA certificates. Any monthly withdrawals or transfers reduce earnings. Neither the primary account owner or joint owner may be a beneficiary on the certificate account (not applicable on IRAs and Coverdell ESAs). Certificate rates may change weekly. You are not locked into a rate until you open or renew your certificate.
*APY=Annual Percentage Yield as of December 1, 2012.
**Add-On option available in deposits of $100 or greater throughout the term of the certificate up to a combined maximum of $6,000 per primary owner per calendar year.
†† Certificate must be open for at least six months before one-time step-up feature can be utilized.

IRAs Certificates

Balance Dividend RateAPY*Member Advantage Dividend Rate Member Advantage APY*
6 month
0.10%
0.10%
0.35%
0.35%
12 month add-on**
0.45%
0.45%
0.70%
0.70%
18 month
0.65%
0.65%
0.90%
0.90%
24 month
0.75%
0.75%
1.00%
1.00%
30 month
0.85%
0.85%
1.10%
1.10%
Step Up 30 month††
0.75%
0.75%
1.00%
1.00%
36 month
1.25%
1.26%
1.50%
1.51%
48 month
1.45%
1.46%
1.70%
1.71%
60 month
1.65%
1.66%
1.89%
1.91%
†Minimum balance of $500 to open. All certificates are also offered as Traditional IRA certificates, Roth IRA certificates, Coverdell Education Savings Account (ESA) certificates and SEP certificates. In addition, prior to opening an IRA certificate (Traditional, Roth, SEP) or Coverdell ESA certificate, you must have or establish an IRA or Coverdell ESA with GTE Financial. With the exception of the 12 month add-on share or IRA certificate, you may not add any additional money to your certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. There are no penalties for monthly dividend withdrawals. Early withdrawal penalties may or will apply if the certificate is closed before the maturity date. You can withdraw up to 10% of the principal plus dividends one time per year (20% of the current balance if over 59 1/2 years old) with no early withdrawal penalty on IRA certificates. Any monthly withdrawals or transfers reduce earnings. Neither the primary account owner or joint owner may be a beneficiary on the certificate account (not applicable on IRAs and Coverdell ESAs). Certificate rates may change weekly. You are not locked into a rate until you open or renew your certificate.
*APY=Annual Percentage Yield as of December 1, 2012.
**Add-On option available in deposits of $100 or greater throughout the term of the certificate up to a combined maximum of $6,000 per primary owner per calendar year.
†† Certificate must be open for at least six months before one-time step-up feature can be utilized.

IRA Plus

Balance Dividend RateAPY*
$100+
0.15%
0.15%
*APY=Annual Percentage Yield as of December 1, 2012. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. Regulation D withdrawal limits apply to all share and money market accounts.
**Minimum balance of $500 required to open.

High Balance IRA

Balance Dividend RateAPY*
$100+
0.15%
0.15%
*APY=Annual Percentage Yield as of October 1, 2012. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. Regulation D withdrawal limits apply to all share and money market accounts.

Money Market

Balance Dividend RateAPY*
$100+
0.15%
0.15%
*APY=Annual Percentage Yield as of December 1, 2012. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. Regulation D withdrawal limits apply to all share and money market accounts.

Money Market Plus

Balance Dividend RateAPY*
$100+
0.15%
0.15%
*APY=Annual Percentage Yield as of December 1, 2012. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. Regulation D withdrawal limits apply to all share and money market accounts.
**Minimum balance of $500 required to open.

High Balance Money Market

Balance Dividend RateAPY*
$100+
0.15%
0.15%
*APY=Annual Percentage Yield as of October 1, 2012. Fees may reduce earnings. Rates, terms and conditions subject to change without notice. Regulation D withdrawal limits apply to all share and money market accounts.