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Loan Rates

Auto, Cycle, RV & Boat

Year Terms APR* as low as
2019-2016 Up to 72 months 4.19%
2019-2016 73-84 months 4.59%
New Only 85-119 months 5.49%
2015-2014 Up to 72 months 4.89%
2013-2012 Up to 60 months 4.99%
2011-2010 Up to 54 months 5.99%
2009-2008 Up to 48 months
2007 & Older Up to 36 months 7.99%
RV & Boat 120-144 months 5.99%

RV & Boat (45,000+)

145-180 months 6.99%

*APR=Annual Percentage Rate. Rate and length of term may vary by model. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. APR is accurate as of October 1, 2018.

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Learn how GAP saves you money.


Other Secured

Type Terms APR* as low as
Share Secured Up to 48 months +3.00% over regular share rate
Unsecured Term Up to 48 months 10.99%
*APR=Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. APR is accurate as of October 1, 2018.

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First Mortgages

Pat Knoble in Janesville - 608-758-4530

Debbie Watson in Monroe - 608-329-7800

Leslie Hass in Beloit - 608-313-3382

John Welch in Rockford - 815-316-3052

Rates for Investment, Rental, and Land/Lot loans available upon request.


Home Equity Products 

Type Terms APR* as low as

Home Equity Loan

Fixed Rate

No Closing Costs

Up to 60 months 4.75%
Up to 120 months 5.25%

Home Equity

Line of Credit (HELOC)

Up to 120 months

4.25% Variable

WSJ Prime - 1.00%**

*APR=Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. 

**Based on the Wall Street Journal Prime rate plus disclosed margin.

APR's accurate as of October 4, 2018.

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Lines of Credit

Type APR* as low as
Unsecured LOC Fixed Rate 9.99%
VISA CC Fixed Rate 9.99%
*APR=Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. APR is accurate as of October 1, 2018.

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 Federally insured by the National Credit Union Administration (NCUA) 

Credit Cards read more

Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

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Open an account, apply for a loan or credit card today!

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