Credit Cards & Loans

Get the financing you need for Family, Business, or whatever adventure life has for you.

Payment Buster Loans

Payment Buster Loans...the Smart Choice in New and Pre-Owned Vehicle Financing!

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing?

The Payment Buster program at Great Lakes First Federal Credit Union gives you the best of both worlds. Like a lease, it offers payments considerably lower than conventional financing, but you actually own your vehicle.

You can use this loan on new vehicles OR used vehicles up to 5 years old! Other benefits include:

  • Payments up to 40% lower than conventional loan payments*
  • No application fee
  • No capitalization fees
  • 100% financing with no money down
  • Option to sell, trade, finance, or 'walk away' at loan maturity
  • No early payoff penalty
  • Mileage options of 12,000, 15,000, and 18,000 per year available

Ready to find out how low your Payment Buster payment could be?

Click here to visit our Payment Buster CarBuilder Calculator to find out!

*Actual rates based on vehicle and credit score. Qualified members only.

**This Calculator Tool is not a guarantee of credit. Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their applicability or accuracy regarding your individual circumstances. All examples are hypothetical are are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues

Auto/Motorcycle/ATV Loans

New or used vehicles.  GLFFCU provides low rates, quick and easy approval, no pre-payment penalties, and a variety of terms.  Save hundreds of dollars by financing your auto loan with us!  Refinance your current auto loan with us to get our low rates and save some money!  Credit life, disability, and GAP insurance available.  Apply here.

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Lawn Tractors, Farm Tractors

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Personal Loans

Personal  loans are perfect for financing vacations, weddings, car repairs, home repairs, cover unexpected expenses and bill consolidations.  Guaranteed fixed rate, no application fees and no pre-payment penalties.  Credit life, disability, and GAP insurance available.  Apply here.

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RV/Boat Loans

Looking to hit the road and spend some time with nature?  GLFFCU has motor home/camper loans at great rates, great terms, no application fees or pre-payment penalties.  Balloon rates/terms are available too.  Credit life, disability, and GAP insurance available.  Apply here.

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Recreational Vehicle Loans

From the trail to the open water, GLFFCU has a loan to help you make the most of your free time.  We have great rates, no application fees or pre-payment penalties.  Refinance your current auto loan with us to save money!  Credit life, disability, and GAP insurance available.  Apply Here

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One Payment Notes

Need cash fast?  A one payment note is the loan for you.  Money borrowed will be paid back in one lump sum payment at the end of the term.  Term limits and rates vary.  Apply here.

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Share Secured Loans

Loans fully secured by the money in your savings account, Share Secured Loans are a great option to help build credit or make a purchase without touching your savings.   Money can be pledged for yourself, family or friends.  Savings account will continue to earn dividends.  Rate is 4% for 60 months maximum.  Apply here.

Certificate Secured Loans

A loan that allows you to pledge all of the money in your certificate’s principal balance for as long as the certificate is opened.  Great way to build credit or make a purchase without closing your certificate.  Rate is 2% above the certificate’s rate.   Apply here.

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We offer a wide range of products with flexible down payment options and competitive rates.  GLFFCU’s mortgage loan experts can listen to your specific needs and get a mortgage that’s just right for you.  Balloons, fixed rate, VA, Adjustable Rate Mortgages or Jumbo are some of the mortgage products we can offer you.  Get pre-approved before you start looking so you know what you can afford.  $350.00 non-refundable application fee is due when the application is approved.  Talk to a Loan Officer today!

Lynn Deneau, NMLS ID #411127

Rose Headington, NMLS ID #411129

Sarah Slagstad, NMLS ID #411132

Tonia Thull, NMLS ID #1911238

Amber Vallier NMLS ID #1956573

Della Gatien NMLS ID #1612894

Great Lakes First Federal Credit Union, NMLS ID #410637

Home Equity Line of Credit

A convenient way to finance home improvements, renovations, repairs, appliance purchases or to consolidate high interest debt.  Borrow up to 80% of your home’s value.  Minimum line of credit amount is $7,500.00.  Variable rates and terms.   Talk to a Loan Officer today.

Credit Cards

GLFFCU offers 2 types of credit cards:  Classic VISA and Platinum VISA.  Both have low interest rates, no annual fees, no balance transfer fees and no cash advance fees.  Easy payment options, 25 day grace period and 24 hour account access through  Both cards are EMV chip enabled and protected from unauthorized purchases with Zero Liability.  Apply online here.

Classic VISA and Platinum VISA offers a Score Card Rewards program.   You can redeem your scorecard rewards points for cash back directly into your account via ACH or for a statement credit to your VISA.  Go to today and do more with your VISA at GLFFCU!

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Debt Protection

An unexpected job loss, death or disability can prevent you from making your loan payments.  Debt Protection is available with optional Life Plus, and can help by canceling all or part of your protected loan payment or balance should a protected life event occur.  Flexible program options and and pricing.  Ask your Loan Officer for details.

GAP Plus

The second you drive your new vehicle off the lot it drops in value.  Guaranteed Asset Protection Plus (GAP Plus) fills the gap between what your vehicle insurance will pay and what you owe on your loan, to help you against sudden out-of-pocket expenses if your vehicle is totaled.  GAP Plus is available for automobiles, motorcycles, ATV, snowmobiles, watercrafts or RV’s.  A one-time fee that can be paid up front or added to the loan amount.  See a Loan Officer for details.

Credit Reports

Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application.  Suspicious activity or accounts you don’t recognize can be signs of identity theft.  Review your credit reports to catch problems early. is the only official site explicitly directed by Federal law to provide a free credit report to consumers.  Get a free copy of your credit report every 12 months from each credit reporting company.  Ensure that all information on your credit report is correct and up to date.

Skip A Payment

Take advantage of GLFFCU’s Skip a Payment program to help with your financial burdens.  Skip a Payment allows you to skip one loan payment a year (non-consecutive) for a low $35.00 fee.  All loans must be current to qualify.  Mortgages, HELOC’s and credit cards are not available with this program.  See a Loan Officer for details or fill out the Skip a Payment form and return to the credit union.