Consumer Loan Rates

Personal Loans

Unsecured personal loans are available for any purpose.

You choose what you need and how long; we personalize them to YOU.

TermFixed APR* as low asMaximum LimitMonthly Payment per $1000.00 Borrowed
1 Year8.75%$25,000.00$87.35
2 Year9.75%$25,000.00$46.04
3 Year10.75%$25,000.00$32.63
4 Year11.75%$25,000.00$26.22
5 Year12.75%$25,000.00$22.64
6 Year15.50%$25,000.00$21.43

The terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment i.e. 60 monthly payments of $12.64 per $1,000 borrowed at 12.75% APR

Christmas/Vacation Loan

Christmas and Vacation Loans are offered up to a 1-year term, $5000.00 Maximum loan amount.

TermFixed APR* as low asMonthly Payment per $1000.00 Borrowed
1 Year8.50%$21.43

New and Used Auto Loan Rates

Get Pre-approved today BEFORE you start shopping for your vehicle, saving you time and hassle at the dealership. A pre-approved auto loan is valid for 30 days.

We offer new and used automobile loans with financing up to 100% of the cost of the new or used vehicle with maximum loan amount up to $75,000.00 and loan terms up to 84 months!

TermFixed APR* as low as Monthly Payment per $1000.00 Borrowed
3 Year3.990%$29.53
4 Year4.990%$23.03
5 Year4.990%$18.87
6 Year5.240%$16.22
7 Year5.240%$14.25

New and Used Auto Rates shown are for A credit applicants financing less than 80% Loan-To-Value and include the maximum .35% relationship discount available. Additional discounts available based on Loan-To-Value. Please speak with a loan officer for more details and to see if you qualify.

New and Used Motorcycles

We offer new and used motorcycle loans with financing up to 70% of the cost of the new or used motorcycle with maximum loan amount up to $75,000.00 and loan terms up to 60 months!

Product DescriptionMaximum TermFixed APR* as Low asMonthly Payment per $1000.00 Borrowed
New/Used 2025-20265 Years6.000%$19.34
Used 2016-20255 Years6.750%$19.69

Loan to Value, based on the unit price of NADA Average Retail Value.

Recreational Vehicles

We offer recreational vehicle loans with financing with maximum loan amount up to $75,000.00 and loan terms up to 10 years based on year of vehicle.

Product DescriptionTermFixed APR* as Low asMonthly Payment per $1000.00 Borrowed
New/Used 2016-20265 Year6.750%$19.69
New/Used 2016-2026up to 10 Year7.750%$12.01

  • *APR = Annual Percentage Rate.
  • Your actual rate may be different than the advertised rate based on your credit score.
  • Other terms may be available.
  • All rates are subject to change without notice. Please call for details. Rates effective 02.19.26

Need Assistance?

Call (413) 782-3161

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NEW Fraud Text Alerts! Beginning July 8, you'll automatically receive a text from Greater Springfield CU if suspicious activity is detected on your debit or credit card. We'll never ask for your PIN, password, account number, or Social Security number by text. Questions? Contact us before responding.