--- title: "GNC Community Credit Union: #1 HELOC in Pennsylvania" description: "GNC Community Credit Union has the lowest tracked HELOC rate in Pennsylvania (4.50% APR) among 69 credit unions we verify. GNC Community Credit Union rates today: auto loans from 4.50% APR, HELOC from 4.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join GNC Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/gnc-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # GNC Community Credit Union: #1 HELOC in Pennsylvania ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | 4.500% APR | 4.500% | — | Standard | GNC Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | 4.500% APR | 4.500% | — | Standard | GNC Community Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 8.900% APR | 8.900% | — | Standard | GNC Community Credit Union credit card rates as of November 12, 2026 Auto loans available from 4.5% APR. HELOC rates from 4.5% APR. Credit card rates from 8.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/gnc-community) , verified from [GNC Community Credit Union's official website](https://www.gncfcu.com/) Best product position **#1 of 69** HELOC Gap to state best **0 bp** State market leader Vs. state median **153 bp better than median** HELOC Products ranked **1** across tracked Pennsylvania markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 4.50% | #1 of 69 · lowest in Pennsylvania | State market leader | 153 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim GNC Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=gnc-community&state=pennsylvania&code=PA&name=GNC%20Community%20Credit%20Union) Loading branch locator… ## About GNC Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.6K Assets $85.6M Founded 1936 Locations reported 3 NCUA charter 1542 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**First Choice** SCA Federal Credit Union · New Castle · PA · 16101-6282 About 1.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/first-choice) [**Sca** CORPORATE OFFICE · NEW CASTLE · PA · 16101 About 1.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/sca) [**Multi-Schools** Wampum Main Office · Wampum · PA · 16157 About 6.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/multi-schools) [**Sru** SRU Federal Credit Union · Slippery Rock · PA · 16057-2632 About 12.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/sru) [**Grove City Area** GROVE CITY AREA FCU · GROVE CITY · PA · 16127 About 14.2 miles away](https://rateapi.dev/credit-unions/pennsylvania/grove-city-area) [**Clearview** Beaver Falls · Beaver Falls · PA · 15010-3441 About 14.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/clearview) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join GNC Community Credit Union Membership eligibility from GNC Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on GNC Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location lawrence — PA Verified from [GNC Community Credit Union's membership page](https://www.gncfcu.com/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for GNC Community Credit Union Geography 2 counties 7 published paths to membership, last verified October 11, 2026, quoted from GNC Community Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified October 11, 2026 - Lawrence County, PA - Mahoning County, OH “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Mahoning County, OH; Lawrence County, PA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for GNC Community Credit Union? Yes No ## Work at GNC Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where GNC Community Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched GNC Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=gnc-community&state=pennsylvania&code=PA&name=GNC%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does GNC Community Credit Union offer? GNC Community Credit Union currently offers Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are GNC Community Credit Union rates updated? RateAPI verifies GNC Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get GNC Community Credit Union's rate data? Rate data is collected directly from GNC Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are GNC Community Credit Union's auto loan rates? As of November 12, 2026, GNC Community Credit Union offers auto loans from 4.5% APR. ### What is GNC Community Credit Union's HELOC rate? As of November 12, 2026, GNC Community Credit Union offers home equity lines of credit from 4.5% APR. ### Who can join GNC Community Credit Union? GNC Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 2 counties for GNC Community Credit Union, each quoted from GNC Community Credit Union's own published membership criteria. ## Related Rate Data Compare GNC Community Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania auto loan rate leaders](https://rateapi.dev/auto-loan-rates/pennsylvania) [Pennsylvania HELOC rate leaders](https://rateapi.dev/heloc-rates/pennsylvania) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gncfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track GNC Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for GNC Community Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /gnc-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## GNC Community Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/gnc-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp