(724) 458-7520 | | info@gcafcu.org | Contact Us | Routing # 243381845 |

Loan Services

Get Your Keys Ready!

Get started with a variety of loans at LOW rates from Grove City Area FCU!

We’re on a mission to help you:

INCREASE your credit score,
DECREASE your monthly payments,
ELIMINATE high interest rate credit card balances, and
PROTECT your credit, credit score, home and vehicles so they’re never taken away from you!

Family Car Shopping

New/Used Auto

Looking for a new or used car or truck… or maybe a motorcycle? You’ve come to the right place. Let us get you pre-approved! Submit an online application HERE or give us a call at 724-458-7520 then we will reach out to you once the decision has been made. (Usually the following day) Already have a vehicle but paying too much or need a little extra cash? Refinance your loan from another lender with us and we will give you up to $100 CASH* for making the switch.

Platinum Credit Card

Visa Platinum Card

Getting your first credit card (and using it properly; using it on something small and paying it off in full each month) is the quickest way to give your credit score a boost. Our Visa Platinum Card has an interest rate of 9.90%. Do you already have a credit card from another lender or merchant with a high rate but you aren’t sure how to make the switch? We can do a balance transfer and pay them off so you only have one card to pay with a lower interest rate.
You can also set up Credit Card alerts HERE

Vacation & Holiday


Going on vacation or getting some extra cash for the holidays has never been easier. Vacation loans are available June and July and Holiday loans are available November and December. With a lower rate than a traditional personal loan, shorter terms, and amounts up to $2,500, we can help make sure you’re set when it comes to taking that special vacation or creating a magical holiday.

Building Credit

Credit Builder

Our Credit Builder Loan is designed for those with little to no credit history in mind. A good credit score increases your chances of approval for a credit card or other loans with a lower rate in the future. This loan is for $500 or $1,000 with terms up to 12 months. You make payments on the amount you choose, then after all payments are satisfied, you are given the amount of the original loan in cash.

ATV Riding

Boat, ATV, & Trailers

Have you been in the market for a recreational vehicle? If you’re shopping around for a boat, atv, trailer, jet ski, RV, or any other type of recreational vehicle with a legal title, this type of loan may be for you. Having a title for a new or used fun vehicle means a lower rate for you. Submit an online application HERE or give us a call at 724-458-7520 then we will reach out to you once the decision has been made. Refinance options may also available to help lower your monthly payment.

Rewards Credit Card

Visa Rewards Card

Reward yourself! Our Visa Rewards Card is the card that pays you back. This card has an interest rate of only 11.90% and you earn 1 point or 1% cashback for every dollar in purchases. Like the Visa Platinum Card, you can use this card for anything from bills, to shopping, and everything in between. You can use your points on travel, gifts, gift cards, and airline tickets. If you opt to get cash-back, you can have that money deposited directly into your account.
You can also set up Credit Card alerts HERE

Share Secured Loan

Share Secured

A good alternative to a Personal Loan is a Share Secured Loan if you already have the funds available, but don’t want to dip into your savings. The interest rate is significantly lower too! Choose the amount you’d like to set aside from your savings and we’ll make sure it stays safe and secure by temporarily freezing it in your savings, releasing the amount you paid towards the principal.

Tire Shopping


Consolidating debt, paying for unexpected expenses, wedding, vehicle repairs, and home improvements are just a few things that a personal loan could be used for. We can lend up to $10,000 per qualifying member. Our Personal Loans are a great choice when needing money quickly. Applying is fast and easy, and you can enjoy your loan with a fixed monthly payment at a low competitive rate!

*$50 cash credited to account once loan is closed for loan amounts from $5,000 to $9,999, and $100 cash credited to account once loan is closed; minimum of $10,000.
Contact credit union for details.


Mortgages and Home Equity Loans

Buying a home for the first time is a big decision and helping you get into that home is one way we’re here to be your trusted financial partner for life. Maybe you already live there and want to use that available equity in your home to make improvements/repairs, consolidate debt, or go on that much needed vacation. Either way, let us help find the right loan for you! Lock in a fixed low rate for a Mortgage or Home Equity Loan for up to 15 years. We want to provide you personal service and peace of mind when it comes to your home, so whether you’re a first-time home buyer or you are moving, we have loan options to fit your needs.

80% / 20% Loan to value

Land only
Home Equity : 1st and 2nd Lien

Life, Disability, and Unemployment protection
is available for each loan

Click to learn more about GAP Coverage
Click to learn more about Mechanical Repair Coverage
Debt Protection
Click to learn more about Debt Protection

What will my payment be?

Click the button below to get an idea of what your payment will be.