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Getting Started

G.A.P. FCU offers several ways to finance a new home, refinance to pay off an existing loan elsewhere,  and borrow for home improvements with the advantage of tax deductible interest. (Consult your tax advisor.)

  • Need to make home improvements, consolidate high interest credit card debt, or just take a vacation? Our Home Equity loan could be just what you need! Your home may be full of CASH!
  • Come into our office or give us a call and let the G.A.P. FCU team show you how we can help make your mortgage financing more affordable.
  • Payroll and Automatic Deductions save you time and worry!

You’ll have greater peace of mind knowing that your loan payment is made on time every month with Payroll Deduction, Direct Deposit or an automated transfer from your G.A.P. FCU account.

Credit Life and Disability Insurance.

Find out how Credit Life Insurance can give you greater peace of mind by helping to pay the remaining loan balance in the event of the borrowers’ death. Credit Disability Insurance can help make a stressful time easier by making your payment for you in the event you become disabled.

Ask a member service representative for more details on these types of insurances.

NMLS # 608240

*Rates are subject to change without notice.

Online Appliction

Whether you’re a new home-buyer or looking to refinance your existing mortgage, G.A.P. FCU should be the first place you call. We are a full-service mortgage provider, offering the following home financing products and services:

  • Fixed Rate Mortgages & Adjustable Rate Mortgages
  • FHA, VA, USDA, PHFA Mortgage Loans
  • FREE Pre-Approvals
  • Construction Loans
  • Home Improvement Loans at a Variety of Terms

Before you start looking for a new home, make sure you get a FREE pre-approval for your mortgage. Knowing how much you can afford saves you time and money, and having a pre-approval gives you a competitive edge over other prospective buyers.

Our knowledgeable staff is ready to help you purchase your dream home with financing terms you can afford. If you would like more information on our home financing services, contact a mortgage professional at 814-535-4165.

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THE RICHLAND OFFICE HOURS ARE CHANGING STARTING 3/1/2021

PLEASE VIEW OUR LOCATIONS PAGE FOR THE UPDATED HOURS OF OPERATION