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Gallup FCU Loans

Life is full of curveballs and opportunities. Whether it's the former or the latter, Gallup FCU has your back with loan options you can apply for in person or online.

Explore Our Loan Options

Auto Loans

Let us help you throughout the entire car-buying process.

Personal Loans

We offer loans from $500 to $50,000, with terms of up to five years.

Mortgage Loans

At Gallup FCU, we take the hassle and stress out of buying a home.

Gallup Stock Loans

Maximize your wealth and be invested where you work.


Auto Loans

With You Every Step of the Way

Buying a car is a major purchase. Aside from buying a home, it is one of the biggest purchasing decisions you will ever make. Let us help you throughout the entire car-buying process, from selecting a vehicle that fits your needs and budget to negotiating the lowest price and getting you the best loan rate.

Got an Even Bigger Adventure Planned?

We also offer RV loans for those with an affinity for adventure and the great outdoors!

Need Insurance or Warranties? We Can Help!

Save on GAP insurance and extended warranties by purchasing them through Gallup FCU.

Getting a Gallup FCU Loan Is Easy


Simply click the button below to start your application by filling in some personal details.


Sit back and relax while we check your application. We’ll get back to you within 24 hours.


In most cases, you’ll see your funds arrive on the very same day.

Personal Loans

Tailored to You and Your Needs

Life can be full of curveballs and opportunities. A personal loan from Gallup FCU can help you in a number of situations.

Whether you need to consolidate debt or pay for auto repairs, we offer personal loans for a multitude of worthwhile purposes, from $500 to $50,000, with terms of up to five years.

Not Sure What You Need?

We are always here to help you maximize your wealth and ensure your financial security. While a personal loan may not be right for all circumstances, we can help you decide if it is right for you.

Overdraft Protection Line of Credit

With overdraft protection, you can protect yourself from the inconvenience of declined transactions or bounced checks. Apply for our overdraft protection line of credit and link your Gallup FCU personal checking account. Then, if you happen to spend more than you have in your checking account, your available credit will be used to authorize the transaction.

Please note: Increments of $500 will be swept into your checking account in the event that your balance falls below zero. There are no fees for this transfer (or sweep), however, interest will accrue daily on any outstanding balance. Automatic overdrafts swept from your primary savings account are at a fee of $5 per automatic transfer. Transfers made through online banking, by calling or by coming to the credit union are free of charge.

Mortgage Loans

At Gallup FCU, we take the hassle and stress out of buying a home. You have enough to worry about, and the last thing on your mind should be an uncertain mortgage loan process.

We won’t try to convince you to buy a home you can’t afford, but we will help you secure a quality home loan at a competitive rate. Surprises aren’t always welcome in the home-buying process, so we make sure you have clear information on all financing costs involved.

What to Expect With Our Mortgage Loans

Whether you are buying a new home, buying your first home or refinancing your current home, our professional, experienced team will put you first.

  • Mortgage loans for single-family, primary residences
  • Option for 30-year or 15-year fixed rates
  • Low closing costs
  • Exceptionally competitive interest rates

Home Equity Loans

The equity in your home can help you finally complete those pesky home-improvement projects.

From finishing the basement to remodeling your kitchen, Gallup FCU’s home equity loans and home equity lines of credit will give you the financing to get the job done.


TruStage Home Insurance

Gallup FCU offers a trusted partnership with carefully selected insurance companies. Consider comparing your rates — what you find may result in significant savings for you!

  • Discounted rates for credit union members
  • 24/7 claims service
  • Online services

TruStage Home Insurance program is offered by TruStage Insurance Agency, LLC, and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Gallup Federal Credit Union. MAH-1112-4AA6

Gallup Stock Loans

Investing in your company is a great way to maximize your wealth and invest in your work.

To learn more about getting a loan to purchase company stock, contact Gallup FCU by email at or by phone at 800-317-3095.