Loan Information

Our goal is to help as many members as possible with our lending products. Members with good credit histories will receive our very best rates, some of the best rates offered by any lender.

We encourage all our members to call us regarding any of our loan products. Our staff is friendly, helpful and knowledgeable, and you can be assured that your loan application will be handled professionally and kept in the strictest confidence.

Most loans can be approved within one business day!

Contact our Lending Department.

New and Used Car Loans

If you have been thinking of buying a new car, but hate the hassle, call your Credit Union first. We can offer very competitive rates and in many instances can pre-approve the loan before you decide on the vehicle. Shopping for a new car loan doesn't have to be a hassle. Be aware of the options available to you. If something sounds too good to be true, it probably is.

We now offer Manufacturers' extended warranties on all new or used vehicles. These warranties are insured through Mercury Insurance Group and cost much less than the warranties sold by the auto dealers. They protect you from expensive auto repairs after your original warranty ends. You may purchase a warranty on a new or used purchase or add it to a vehicle that you already own.

Gap Insurance is also available at a very affordable price. This product protects you in the event of a "total loss" auto accident resulting in a balance due on the loan after your insurance has paid the claim.

With both our Extended Warranty and Gap Insurance products, you receive a large reward for a small price!

Visa Credit Card

We offer both a Premier Visa® Credit Card at 7%* APR** and a Classic Visa® Credit Card at 8.5%* APR**. There are no annual fees and no transaction fees for cash advances, balance transfers or purchases. Why spend more on interest charges and fees than you have to? Your Fort Gordon Federal Credit Union Credit Card is accepted at millions of locations all over the world. Just look for the VISA logo! You’ll have tremendous purchasing power, no matter where you are – on vacation, in another country or surfing the net! *Subject to credit approval. **Annual Percentage Rate.

Signature, Christmas, Vacation Loans (Closed-End Loans)

Based on your monthly income and your credit, you are eligible to receive loans on your signature only. Loan interest rates are reviewed monthly to ensure they are competitively priced. You can apply over the phone (706-855-0290 or 706-793-4855) or by using our online loan request. Then simply make a quick stop by our office to sign loan documents and to pick up your check. Or, if applying and you are currently out of the area, loan documents will be mailed to you for final processing. It's that easy! And with the convenience of payroll deduction, you don't have to worry about mailing your monthly payment.

Boats, Motorcycle and Recreational Vehicle Loans

Boat and recreational vehicle loans are also available. Interest rates are usually lower than rates on signature loans when you use your purchase as collateral. The following purchases qualify:

• motorcycle
• motor homes
• boats/jet skis
• travel trailers/campers

First Mortgages, Second Mortgages, Land Loans, Home Equity, Home Improvement Loans

Buying a new home or refinancing your present home? Thinking of remodeling your home? Come see us about a new First Mortgage, home equity (we pay closing costs for you on home equity loans), or home improvement loan. The equity in your home may be all you need to remodel your home, purchase a new car, or any other need you may have. The interest you pay may be tax deductible (see your tax advisor). We can finance up to 90% of your home's value depending on your credit and the balance of your loan (some restrictions apply).

Your credit union is proud to announce that we are now offering very competitive mortgage loans, thanks to our new partnership with Homeowners Mortgage, with terms up to 40 years on fixed rates! That is just the tip of the iceberg – we also offer construction-permanent loans with only one closing and one set of closing costs, VA loans, home renovation loans, and 100% of value loans.

Maybe we got carried away, but while we were at it, we increased the number of ways you can apply for a mortgage too! Of course you can still call or come by to speak to one of our loan officers, but you can also click on the NEW mortgage link here on our website, which is provided by our mortgage partner, Homeowners Mortgage, who handles the processing and closing of mortgage loans for us. They have been helping people with mortgages since 1983, and have been helping credit union Members for over 9 years. Our partnership with them allows us to continue to offer all the products and great rates you have come to expect from your Fort Gordon Federal Credit Union. We trust them and hope you will be pleased with our decision. Make the right choice for your next mortgage – Fort Gordon Federal Credit Union, putting Members first!

New Merchandise

Why pay those high department store rates when purchasing your new TV, Computer, Stereo, Washer/Dryer, etc., when you can receive an extremely lower rate through your credit union!

Flash Cash (Line of Credit)

Tired of the hassles of applying for a loan everytime you need extra cash? With your excellent credit you may qualify for our best rates on an unsecured loan.

Once approved, all it takes is a phone call to get your Flash Cash!