(314) 621-4575

(800) 621-4828

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(314) 621-4575

(800) 621-4828


    New & Used Vehicle Loans

    Gateway Metro Federal Credit Union offers no-hassle vehicle loans. Applying is fast and easy – whether you want pre-approval before buying or just want to transfer your loan from another lender.

    • Finance up to 125% of your car, truck, SUV, van or motorcycle (125% financing subject to other qualifying conditions.)
    • Enjoy fixed rates with no pre-payment penalties
    • Take up to 84 month to repay the loan


    New & Used Recreation Loans

    Get out and relish life’s adventures without worrying if you’re ruining your budget. Enjoy 80% financing and repayment terms up to 120 months on RVs, trailers and campers. Also enjoy 125% financing on boats and personal watercraft. (125% financing subject to other qualifying conditions.)


    Real Estate Loans

    NMLS# 410276
    Get the financing you need, plus the peace of mind you deserve, without annual fees, pre-payment penalties or hassles. Plus, the interest you pay may be tax deductible (consult your tax advisor for details). All of our home loan products feature competitive rates and flexible repayment terms.

    First Mortgages
    Whether you’re financing your first home, moving to a new home or refinancing your current mortgage, talk to Gateway Metro Federal Credit Union’s knowledgeable mortgage department. We make the home financing process – from application to closing – is fast and easy. Residents of Missouri and Illinois are eligible for Gateway Metro Federal Credit Union home financing, as long as you can meet our membership requirements.

    Home Equity Loans & Lines of Credit
    Use the funds for home renovation, debt consolidation, school tuition – whatever you need, your home and your credit union can provide.

    Home Equity Line of Credit

    • Borrow up to 80% of your home’s equity
    • Pay a low, variable rate
    • Draw on funds as you need them
    • No Closing Costs/Free Pre-Approval

    Home Equity Loan

    • Borrow up to 90% of your home’s equity
    • Pay a competitive, fixed rate
    • Receive your funds in a lump sum
    • Pay closing costs

    Home Improvement Loans
    For home repairs and upgrades large or small, Gateway Metro Federal Credit Union has you covered with this fixed-rate loan! Borrow between $500 and $5,000 for up to three years; or, borrow between $5,000 and $100,000 for up to 15 years.

    Collateral-Based Loans

    Share-, Stock- Or Certificate-Secured Loans
    Use your savings at the credit union as collateral. It’s the easiest way to continue earning dividends while you are using the funds from the loan. Enjoy competitive rates and terms up to three years!

    CU Quick Cash Payday Loan Alternative
    We’ve seen hard-working members who have trouble making ends meet fall victim to payday lending companies. These predatory lenders charge in the neighborhood of 400% interest, so Gateway Metro Federal Credit Union came up with a better option.

    • Borrow money interest free
    • We hold a portion of the funds to help you save
    • Build financial security

    Collateral-Free Loans

    Line of Credit
    Our line of credit beats store charge cards every time. Once approved for this handy loan, you become your own loan officer! Draw from your credit line whenever you need, for whatever you need.

    • Call, click or stop by to access your credit line
    • Repay the loan in 48 months
    • Members with checking and direct deposit at the credit union enjoy rates as low as 12.9% APR; otherwise, rates are as low as 13.9% APR*

    Signature/Personal Loans
    Your signature and good credit history are all it takes to get the funds you need.

    • Borrow up to $10,000
    • Repay the loan up to 60 months
    • Enjoy fixed rates as low as 7.99% APR*

    *APR=Annual Percentage Rate. Rates are subject to change and based on member creditworthiness, dollar amount and term. Terms and conditions apply. Contact GMFCU for complete details.


    Business Loans

    Gateway Metro Federal Credit Union offers business loans and credit cards perfect for your local company’s needs:


    • Borrow between $5,000 and $50,000
    • Take up to 10 years to repay the loan
    • Enjoy low, variable rates

    Visa® Business Credit cards

    • Platinum
      • No annual fee
      • ScoreBoard expense management tool
      • Employee cards with individual credit limits
    • Business Bonus Rewards
      • 1.25 rewards points for every net $1 spent
      • No annual fee
      • Cash back, merchandise, travel or gift card rewards
    • Business Bonus Rewards Plus
      • 1.50 rewards points for every net $1 spent
      • Cash back, merchandise, travel or gift card rewards
      • ScoreBoard expense management tool

    Plus, our business specialist is available to provide help at your convenience. Contact our lending department at (314) 621-4575.