778 Beatty Ave
Knox, PA  16232
(814) 797-5768

 
   



 

 



KGC Federal Credit Union has a loan for you!


KGC Federal Credit Union offers members loan specials throughout the year. Members may borrow up to $1,000 for 12 months at just 8.5% APR as part of these loan specials:

 

Tax Special: March - April

Vacation Special: June and July

Back-to-School Special: August and September

Christmas Special: November and December

 

See our Current Loan Rates below for rate and disclosure information on these services.

 

Our loan programs include:

  • New Vehicle/Motorcycle Loans

  • Used Vehicle/Motorcycle Loans

  • Signature Loans

  • Share Secured Loans

  • Recreational Vehicle Loans

  • ATV/Snowmobile Loans

  • Boat

  • Visa Credit Cards

To apply for a loan, simply stop in the office for an application.  You may also call or email a request for an application to be mailed to you.  Automatic payment is available with any of our loan services.

 

New & Used Vehicles, Motorcycles, and Recreation Vehicles (campers, boats, ATVs)

 

Description Term

APR

Annual Percentage Rate

Monthly Payment per $1,000 Borrowed
New Untitled/less than 20,000 miles up to 84 months* as low as 3.25%
up to 60 months as low as 3.00%
up to 48 months as low as 2.75%
up to 36 months as low as 2.75%
"Used" 2014-2016 up to 72 months as low as 4.25%
up to 60 months as low as 3.25%
up to 48 months as low as 2.75%
"Used" 2008-2013 up to 60 months as low as 6.25%
up to 48 months as low as 5.75%
up to 36 months as low as 5.5%

Recreational Vehicles: New up to 60 mo. as low as 3.49%, up to 84 mo. as low as 3.75%. Used-up to 60 mo. as low as 4.49%. up to 84 mo. as low as 4.75%
*Must borrow over $40,000.00 to qualify for 84 month term. Members with Risk Score of 700 or above may qualify to borrow up to $45,000.00 on a New Vehicle Secured Loan.
We finance only 80% of the sticker or retail value for those members whose Risk Score is 599 and below.

We finance up to 100% of the sticker price  on new vehicles and up to 100% of the  NADA Average Retail Value on used vehicles.

 

Share Secured Loans

 

Type Term

APR

(Annual Percentage Rate)

Monthly Payment per $1,000 Borrowed
100% Secured 60 Months 4.00% APR $18.42
50% Secured 60 Months 8.00% APR $20.28

 

 

Signature (Personal) Loans

All rates and terms are determined by your Fair Issac Risk Score and Debt Ratio.

Term

APR
(Annual Percentage Rate)

Monthly Payment per $1,000 Borrowed
up to 60 Months as low as 10.50%
up to 48 months as low as 10.00%
up to 36 months as low as 9.50%
up to 24 months as low as 9.25%
up to 12 months as low as 9.00%


         
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