*Annual Percentage Rate (APR). Rates quoted are the lowest rate for highly qualified applicants with terms up to 72 months (9.99% APR). Purpose of funds must be used for debt consolidation. Consolidation of funds with GFA are not eligible. Rate advertised reflects a 0.25% discount for automatic payment. Not valid with any other offer and is non-transferable. You must meet credit union lending guidelines. Your rate will be determined at the time of your application. $59.00 application fee will apply. Other rates and terms available. Subject to credit approval. Payment Example: A loan of $10,000 at 9.99% APR for 72 months is a monthly payment of $187.08. Rates are subject to change without notice. Borrowers must become a member of GFA Credit Union. Membership to GFA Credit Union requires a $10 balance in a savings or checking account. You must apply directly to the Credit Union to be eligible.