Loans
Loans priced for members, not for shareholders
Auto loans from 5.49%. Mortgages competitive with the best in market. Personal loans from 7.99%. Credit-builder loans for members with thin or rebuilt credit.
Member savings
$1,800
Avg auto refi savings
5.49%
Starting auto APR
24 hrs
Personal loan funding
0.5%
Below-market mortgage
Auto
Auto loans + refinance
New auto — from 5.49% APR
750+ FICO. Up to 84-month terms. Pre-approval in 5 minutes; close at any branch or all-online.
Used auto — from 5.99% APR
Cars under 10 years old. Up to $80K loan amount. Same fast pre-approval.
Auto refinance
Average member saves $1,800 over the term refinancing from a dealer-arranged loan. Most refis pay for themselves in 6 months.
Motorcycle, RV, boat
Recreational vehicle loans from 7.49% APR. Up to 144-month terms for RVs.
Home
Mortgages + home equity
Conventional mortgage
30-year fixed, 15-year fixed, ARMs. Member rates typically 0.25–0.5% below national average. Closing-cost assistance for first-time buyers.
First-time homebuyer program
Down payment as low as 3%. Free homebuyer education course. Up to $5,000 closing-cost grant for income-qualified members.
HELOC
Home equity line of credit. Variable rate from prime + 0%. Borrow up to 90% combined LTV. No origination fee for members.
Home equity loan (fixed)
Fixed-rate, fixed-term home equity loan from 7.49% APR. Best for known-cost projects (kitchen, roof, debt consolidation).
Personal + credit-building
Loans you can use for anything
Personal loan — from 7.99% APR
$1,000 – $50,000. Unsecured. 2–7 year terms. Funded 24–48 hours. Most members use these for debt consolidation or large one-time purchases.
Credit-builder loan
$300–$2,500. We hold the funds; you make payments; reports to all 3 bureaus. Funds released to you when paid off. Average member raises FICO 50–80 points.
Secured Visa
Build or rebuild credit. $300–$5,000 deposit becomes your credit limit. Reports to all 3 bureaus. Graduates to unsecured at 12 months of on-time payments.
Holiday + tax-time loans
Short-term loans of up to $2,000 at flat 8.99% APR. 6-month repayment. No prepayment penalty. Available November + January.
Salary-advance alternative
Need-by-Friday loan up to $500. 12% APR, 30-day repayment. No credit check. Costs $4 to borrow $500 for 30 days. Built to replace payday loans.
Business loans
For small business members
Business term loan
$10,000 – $500,000. 1 to 7 year terms. From 7.49% APR. Equipment, expansion, working capital.
Business line of credit
$5,000 – $250,000 revolving. Pay only on what you draw. Variable rate from prime + 1%.
Commercial real estate
Up to $2.5M. Owner-occupied or investment property. 25-year amortization.
SBA 7(a) preferred lender
We’re an SBA preferred lender — faster approvals than going direct. Loans $50K – $5M.
How a Greater Trust loan works
From application to funded
- 1Step 1Pre-qualify5 minutes online. Soft pull, no credit hit. Tells you the rate + max loan you’d qualify for.
- 2Step 2Apply10–20 minutes. Hard pull happens here. Income + identity verification.
- 3Step 3DecisionMost loans approved within 1 business day. Your local branch can override edge cases — try that if auto-decision says no.
- 4Step 4FundedAuto + personal loans: 24–48 hours via ACH. Mortgages: 30–45 days closing.
Loan questions
What members ask
- Yes. Membership is $5 (one savings deposit) and takes 10 minutes online. After that, every loan and account is open to you.