Managed Credit Program

Tired of paying high interest rates on loans or not being approved at all? Let the Loan Staff at GCFCU introduce you to our New Managed Credit Program! Through this new program, the Credit Union not only makes it possible for members with past credit problems to obtain loans, but to also receive substantially lower interest rates as well.

What is the Managed Credit Program and how does it work?
At the Credit Union, the rate a member pays is determined by their credit history (FICO score). Members with good credit history will receive our very best rates, some of the best rates offered by any lender. At the same time, members with less than perfect credit will receive interest rates consistent with their credit history, but considerably lower than most other lenders. We realize that some of our members have experienced some difficulty with their credit in the past. With our new program we want to help those members obtain credit and save money!

To compliment our Managed Credit Program we also offer Score Enhancement Training to educate members about their credit and help them understand how to achieve and maintain good credit. Understanding the FICO score is the key to obtaining the lowest interest rates available in today's competitive market.

When you apply for a loan at the Credit Union, our Loan Officers will show you your credit report and explain:

• What makes up your FICO Score



• What actions will hurt your FICO Score



• What steps you should take to improve your FICO Score

We encourage all of our members to call us regarding our new program. If you are not sure what rate you are paying other lenders, call them first, and then call us!

Don't wait!  Apply online and refinance those high interest rate loans today!