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Loan Rates

Auto, Cycle, RV & Boat

Year Terms APR* as low as
2019-2016 Up to 72 months 3.99%
2019-2016 73-84 months 4.29%
New Only 85-119 months 4.99%
2015-2014 Up to 72 months 4.09%
2013-2012 Up to 60 months 4.29%
2011-2010 Up to 54 months 5.49%
2009-2008 Up to 48 months
2007 & Older Up to 36 months 7.49%
RV's Only 120-144 months 4.99%

*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 June 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 June 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 Rockford & Beloit - 608-313-3382

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

Online Mortgage Center


Second Mortgages 

Type Terms APR* as low as

2nd Mortgage

Fixed Rate

No Closing Costs

Up to 60 months 4.50%
Up to 120 months 4.99%

Coming Soon...

Home Equity

Line of Credit (HELOC)

Up to 120 months

3.75% Variable (WSJ Prime - 1.00%)**

*APR=Annual Percentage Rate. Other credit qualifications may apply. Rates subject to change and based on credit worthiness. APR is accurate as of June 1, 2018.

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

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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 June 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!

Apply Online! read more

Let us help finance your dreams... Apply online now for an auto, personal or recreational vehicle loan!

Mobile Banking read more

Check out how you can text, use your mobile browser or download our new TouchBanking app to keep track of your account!