To report a lost or stolen card
WEATHER FOR MISSOULA, MT
Partly Cloudy
88°F
High: 91°F
Low: 54°F
 

Gateway Community Rates

 

Deposit Rates - current as of November 25, 2013

 

Account Type

Minimum Deposit Rate APY
Savings* Up to $10,000   0.050%
Savings* $10,001 to $25,000   0.050%
Savings* $25,001 to $50,000   0.050%
Savings* over $50,000   0.050%
Business Checking Accounts on Balances Over $1000** $1,000   0.050%
Carefree Checking Accounts on Balances Over $1000** $1,000   0.050%
E-Checking Accounts on Balances Over** $500-$1,000   0.050%
  $1,001-$5,000   0.050%
  $5,001-$25,000   0.100%
  $25,001-$50,000   0.100%
  $50,001-$75,000   0.100%
  $75,001-$100,000   0.100%
  Over $100,000   0.150%
60+ Checking Accounts on Balances over $500**     0.100%
Money Market Savings*** $500-$2,500 0.100% 0.100%
Money Market Savings*** $2,501-$10,000 0.100% 0.100%
Money Market Savings*** $10,001-$25,000 0.150% 0.150%
Money Market Savings*** $25,001-$50,000 0.150% 0.150%
Money Market Savings*** $50,001-$75,000 0.150% 0.150%
Money Market Savings*** $75,001-$100,000 0.150% 0.150%
Money Market Savings*** Over $100,000 0.250% 0.250%
IRA Acconts up to $10,000     0.100%
IRA Accounts $10,001-$50,000     0.150%
IRA Accouns Over $50,000     0.300%

* Compounded monthly and paid quarterly

** Compounded quarterly and paid quarterly

*** Compounded daily and paid monthly

APY=Annual Percentage Yield. Call for full description of account terms and conditions. Other rates and terms are also available.

 

Certificate Rates - current as of November 25, 2013

Term Minimum Deposit Rates APY

Additional Information*

6 Month $1,000 0.150% 0.150%

6-month, 1-year, 2-year

1 Year $1,000 0.200% 0.200%

and 5-year CDs receive a

2 Year $1,000 0.300% 0.300%

0.30% increase in APY

5 Year $1,000 1.495% 1.500%

with an active checking

IRA 1 Year $1,000 0.100% 0.100%  
IRA 1 Year $10,001 0.200% 0.200%  
IRA 1 Year $50,001 0.350% 0.350%  
5 Year Youth CD** $100.00 5.000% 5.000%  
     

 No increase for active checking

 

* Increase in APY does not apply to CD Specials, IRA CDs or Youth CDs

** Must be age 0-13, can add in $100 increments up to $2,000.  Parent or grandparent must have active checking account to qualify.

GCFCU rates are set by its management team and may be changed at their discretion.

 

Loan Rates - current as of April 8, 2013

Loan Type

Term

Rate
Auto Loans (New & Used) 24 mo 2.99%*
Auto Loans (New & Used) 36 mo 2.99%*
Auto Loans (New & Used)         (>/=$4,000) 48 mo 4.20%*
Auto Loans (New & Used)         (>/=$8,000) 60 mo 4.70%*
Auto Loans ( New & Used)        (>/=$15,000) 72 mo 5.70%*
Auto Loans (2009-Newer)          (>/=$25,000) 84 mo 7.25%*

SPECIAL RATE AUTO LOANS: 60-72 MOS. @ 3.95% (CREDIT SCORE MUST BE 701-740)

SPECIAL RATE AUTO LOANS: 60-72 MOS. @2.99% (CREDIT SCORE MUST BE >740)

   
Boats/Motorhomes/5th Wheels/Campers Up to 47 mo 4.65%*
Boats/Motorhomes/5th Wheels/Campers     (>/=$4,000) 48-59 mo 5.20%*
Boats/Motorhomes/5th Wheels/Campers     (>/=$8,000) 60-71 mo 5.70%*
Boats/Motorhomes/5th Wheels/Campers     (>/=$15,000) 72-83 mo

6.70%*

Boats/Motorhomes/5th Wheels/Campers     (>/=$25,000) 84-120 mo 8.25%*
Motor Bikes/ATVs/Trailers Up to 47 mo 5.20%*
Motor Bikes/ATVs/Trailers      (>/=$4,000) 48-59 mo 5.70%*
Motor Bikes/ATVs/Trailers     (>/=$8,000) 60-71 mo 6.20%*
Motor Bikes/ATVs/Trailers      (>/=$15,000) 72-83 mo 7.20%*
Motor Bikes/ATVs/Trailers      (>/=$25,000) 84-120 mo 8.75%*
Signature Loans Up to 48 mo 10.75%*
Unsecured Line of Credit   10.75%*

*Rates may very depending on credit score

   
Share Secured   4.5%
Certificate Secured 2% above APY of CD
Home Equity (Based on 80%-or less total loan to value) Up to 5 yrs 5.75%
Home Equity (Based on 80%-or less total loan to value) 6-10 yrs 6.00%
Home Equity (Based on 80%-or less total loan to value) 11-15 yrs 6.50%
Home Equity Line of Credit (HELOC) 15 yrs 5.00%
Land Loans Up to 5 yrs 6.50%
Land Loans 6-9 yrs 7.25%
Land Loans 10-15 yrs 8.00%
Visa Credit Card   9.75%

 

For current Real Estate rates, please call a loan officer at 728-4475.

* Rate used to calculate financing may vary based on, but not limited to, term, creditworthiness and your relationship with Gateway Community.

GCFCU rates are set by its management team and may be changed at their discretion.

MAIN BRANCH
2300 Great Northern Way
Missoula, MT 59808
Phone (406) 728-4475
Fax (406) 728-0257
Loan Dept Fax
(406) 541-6128
SOUTH BRANCH
3624 Brooks St
Missoula, MT 59801
Phone (406) 541-9710
Fax (406) 541-9712
EXPRESSWAY BRANCH
4500 Expressway Blvd
Missoula, MT 59808
Phone (406) 532-4441
Fax (406) 532-4458
CONTACT US
MEMBER NCUA. National Credit Union Admisnistration, a U.S. Government Agency. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Get all the latest news when you join our mailing list.