Special Offers

8.00% APY1 on a Certificate? We must be crazy!

mid-century certificateNo, we haven't gone crazy, we're just feeling generous! Thanks to this special offer, New Members can earn 8.00% APY1 on the first $1,000 of a 12-month certificate. You'll earn our standard rate on any additional funds, so your money won't miss out on any chances to earn!

Become a Member through the link below, and then you'll be able to call, stop by, or login to Online & Mobile Banking to open your New Member Certificate!

Now that's what I call Better Banking®!

Bank With Us

Table data for SPECIAL Share Certificates and IRA Certificate
 04/01/2026
Minimum Balance Term APY on $1,0001 APY on funds over $1,0002 Alert Me
$1,000 12 months 8.00% 3.05% Receive a notification when this rate changes
$25,000 12 months 8.00% 3.10% Receive a notification when this rate changes
$50,000 12 months 8.00% 3.25% Receive a notification when this rate changes
$100,000 12 months 8.00% 3.35% Receive a notification when this rate changes
You must maintain a minimum daily balance of $1,000.00 to earn the disclosed APY and avoid account closure. Early Withdrawal Penalty: 180 days’ dividends on the amount withdrawn for a 12-month term. Early withdrawal penalties may reduce earnings and principal. If the penalty reduces the balance below the required minimum, the account will be closed, and the penalty may be assessed on the entire balance. Rates are subject to change without prior notice. Dividends are compounded and credited monthly. Membership with Gain FCU is required. Certificate will renew as stated in our Truth in Savings Agreement.
  • 1APY = Annual Percentage Yield. 7.721% / 8.00% APY applies only to the first $1,000.00. Balances over $1,000 will earn the standard 12-month certificate rate. The maximum balance eligible for the promotional APY is $1,000.00. New money only. “New money” is defined as funds not currently on deposit and not on deposit with Gain FCU within the previous 30 calendar days. Offer valid for new members only. Certificate must be opened within 30 days of establishing membership. One certificate per member. Offer is subject to change without notice.↵
  • 2APY = Annual Percentage Yield↵

Special Offer - 4.50% APR1 on Auto Loans

mid-century auto loanShopping for a new car? Empower yourself with a credit union pre-approval. Want to lower your payments on the car you have? Refinancing might be for you. 

Whatever your auto financing needs, it's a great time to be alive, because Gain is here with great rates, even going as low as 4.50% APR1. Apply today for a smooth ride into the driver's seat.

You can even wait to make your first payment for up to 90 days2.

Apply Now

Table data for AUTO LOAN SPECIAL - New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
 Effective 04/01/2026
Term Special APR As Low As1 No Payments for up to 90 Days2 Alert Me
48 months 4.50%
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60 months 4.50%
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72 months 4.50%
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84 months 4.75%
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Representative Example: A $30,000 loan financed at 4.50% APR for 72 months would result in 72 payments of $476.22. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Terms and conditions apply. Must be 18 years of age or older to qualify for loan.
* Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
  • 1*APR = Annual Percentage Rate. Other exclusions may apply. Rate cannot be combined with other auto loan offers and excludes current Gain auto loans. Offer applies only to new loans to the credit union. Rates are subject to change without prior notice. All loans subject to credit approval and membership eligibility. Terms and conditions apply. Offer may end at any time without prior notice.↵
  • 2Available for vehicles 2024 or newer. Offer not available for first time buyers or JumpStart Loans. First payment is due no later than the 90th day after funding. Finance charges begin to accrue immediately after funding and are repaid over the life of the loan. Not all customers will qualify. Other financing options available.↵

Intro rates as low as 4.99% APR1 and new, higher limits up to $500,000 on HELOCs!

It's a golden opportunity to leverage your equity more than ever before with a dynamite introductory rate and take advantage of up to half-a-million dollars in spending power!

Use the equity in your home to pay for home improvements, to raise the value of your home, to use the equity of your home to pay for home impromvents to raise the value of... well, you get the point. You can also use a HELOC to pay for anything else you need at a rate that's typically lower than a credit card. 

Apply For a Loan

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied
 05-06-2026
Loan to Value (LTV) Margin Intro APR As Low As1 Standard APR As Low As2 Maximum APR Amount Financed Lender Closing Costs3 Alert Me
80% or less 0.000% to 3.500% 4.990% 6.750% 18.000% $10,000 - $250,000 $0
80% or less 0.250% to 1.500% 4.990% 7.000% 18.000% $250,001 - $500,0004 $0
The Gain Advantage Home Equity Line of Credit is an adjustable rate loan subject to change. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates and payments are based on the current margin and index rate. Index is WSJ prime rate. Rate subject to change quarterly. Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap.
Payment Example: Loan for $150,000 based on a 70% Loan To Value (LTV) with a margin of 0.250% and an index of 8.500% equals an interest rate of 8.750% with a payment of $1,499.17 per month.
The current non-introductory rate of 6.750% APR, which is accurate as of 05-06-2026 and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 80% and maximum loan amount of $150,000.
Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate The 4.99% Annual Percentage Rate is an introductory rate valid for the first 6 months from account opening after which the APR will adjust to a variable rate based on the Prime Rate (the Index) as published in the Wall Street Journal, plus the margin and is subject to change quarterly thereafter. The maximum APR will not exceed 18.00%. Draws must occur within the promotional period to qualify for the promo rate. New HELOCs and primary residences only. Minimum and maximum loan amounts apply. Subject to credit approval and Gain FCU policies and procedures. Membership is required to obtain a HELOC. Offer is valid for a limited time and is subject to change without prior notice.↵
  • 2APR = Annual Percentage Rate↵
  • 3Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.↵
  • 4Not all applicants will qualify for the maximum limit of $500,000.↵