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New & Used Vehicle Loans
Applying for a Gateway Metro Federal Credit Union vehicle loans is fast and easy – whether you want pre-approval before buying, or just want to transfer your loan from another lender. You can finance up to 125% of your car, truck, SUV, or van (125% financing subject to other qualifying conditions) and enjoy fixed rates with no pre-payment penalties. Plus, take up to 84 months to repay the loan. Talk about hassle-free!
If you prefer the wind in your air, get a new or used motorcycle loan with us. You can finance up to 100% of your motorcycle and some borrowers can land terms up to 84 months. (84 month term eligibility depends on motorcycle year and loan amount)
Guaranteed Auto Protection (GAP) Insurance
Guaranteed Auto Protection (GAP) is an added protection for your vehicle in the event your vehicle is deemed a total loss. Your regular auto insurance may not always cover the full amount of your vehicle should a total loss occur which leaves you with a ‘GAP’ between what they cover and what you still owe to pay off your vehicle. With GAP insurance you get that added protection to give you peace of mind should a total loss event occur.
Auto Deductible Reimbursement (ADR)
Auto Deductible Reimbursement (ADR) will pay up to $500 per auto loss when the loss is filed and paid by your auto insurance company. The vehicle is deemed a loss when your auto insurance company approves and pays for a collision or comprehensive claim which exceeds your auto insurance deductible for your vehicle.
New & Used Recreation Loans
Get out and relish life’s adventures without worrying if you’re ruining your budget! It’s easy to do with 80% financing and repayment terms up to 120 months on RVs, trailers and campers. If you’re a water fan, you’re sure to also enjoy 100% financing on boats and personal watercraft.
Student Loans
Gateway Metro Federal Credit Union partners with Lendkey to offer our cuScholar private student loan. Applicants may borrow between $2,000 and $120,000 (for undergraduates) or $160,000 (for graduates) per year and use the funds for qualified expenses, such as tuition, room and board, books, computers and more. In addition to paying competitive rates with opportunities for rate reductions, borrowers can also avoid pre-payment penalties and origination fees.
Click here to apply for or refinance a student loanReal Estate Loans
NMLS# 410276
The Gateway Metro Federal Credit Union mortgage center offers you the financing you need, and the peace of mind you deserve, without annual fees, pre-payment penalties or hassles. Plus, the interest you pay may be tax deductible (consult your tax advisor for details). All our home loan products feature competitive rates and flexible repayment terms.
First Mortgages
Whether you’re financing your first home, moving to a new home or refinancing your current mortgage, it’s a major decision and you want the right advisors on your side. The trusted mortgage department at Gateway Metro Federal Credit Union is ready to help and armed with the knowledge and experience you need. We make the home financing process -from application to closing- fast and easy. Residents of Missouri and Illinois who meet our membership requirements are eligible for Gateway Metro Federal Credit Union home financing.
Apply For A Mortgage
Home Equity Line of Credit
Tap into your home’s value when you need it with a flexible Home Equity Line of Credit (HELOC) from Gateway Metro Federal Credit Union.
- Borrow up to 90% of your home’s equity
- Pay a low, variable rate
- Draw on funds as you need them
- No Closing Costs / Free Pre-Approval
- Up to 20 years to pay it off
Home Equity Loan
Need a one-time lump sum? A Home Equity Loan gives you stability and peace of mind with fixed rates and predictable payments.
- Borrow up to 90% of your home’s equity
- Pay a competitive, fixed rate
- Receive your funds in a lump sum
- Pay closing costs
Home Improvement Loans
For home repairs and upgrades large or small, Gateway Metro Federal Credit Union has you covered with this fixed-rate loan! Borrow between $5,000 and $100,000 for up to 15 years.
Apply for a Home improvement Loan
Collateral-Based Loans
Share-, Stock- Or Certificate-Secured Loans
Use your savings at the credit union as collateral and experience the easiest way to continue earning dividends while you are using the funds from the loan. Enjoy competitive rates and terms up to three years!
Collateral-Free Loans
Line of Credit
Our line of credit beats store charge cards every time. Once approved for this handy loan, you become your own loan officer! Draw from your credit line for whatever you need, whenever you need it- just call, click or stop by to access your credit line. Members with checking and direct deposit at the credit union enjoy rates as low as 12.9% APR; otherwise, rates are as low as 13.9% APR*. In addition, we’ve made it even more convenient by allotting you 48 months to repay the loan.
Signature/Personal Loans
Your signature and good credit history are all it takes to get the funds you need. You may borrow up to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 7.99% APR*
*APR=Annual Percentage Rate. Rates are subject to change and based on member creditworthiness, dollar amount and term. Terms and conditions apply. Contact GMFCU for complete details.