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, van or motorcycle (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!


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.

Real 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.

Home Equity Loans & Lines of Credit

With the Gateway Metro Federal Credit Union Home Equity Loans & Lines of Credit, you can use the funds for home renovation, debt consolidation, school tuition – whatever you need, your home and your credit union can provide.

Home Equity Line of Credit

  • 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

  • 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 $500 and $5,000 for up to three years; or, borrow between $5,000 and $100,000 for up to 15 years.

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!


CU Quick Cash Payday Loan Alternative

We’ve seen hard-working members who have trouble making ends meet fall victim to payday lending companies. These predatory lenders charge in the neighborhood of 400% interest. Gateway Metro Federal Credit Union realized there had to be a better option and created the CU Quick Cash Payday Loan Alternative. Simply put, you borrow money -interest free- and we hold a portion of the funds to help you save, all the while helping you to build financial security.


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.


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