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Discover the Campus Federal Difference

At Campus Federal, we strive to make a difference in our members’ lives! Since 2004, we have partnered with GMFS to provide financial services to meet the needs of GMFS Team Members and their families. Learn more about our products, services, financial education and more throughout our website or view a few highlights below.


With competitive rates and no annual fees, Campus Federal's Mastercards®1 give you perks for every purchase. Make the most of life's opportunities today while still saving for all your future plans. Choose the card that's best for you and apply today. 

  • Our Campus Rewards Mastercard® pays you every time you spend! Earn 1% cash back on all purchases through uChoose Rewards® without sacrificing a competitive rate.
  • Our Campus Prestige Mastercard® gives you the convenient flexibility to explore all the things that bring you a little joy. This card is ideal for someone looking to manage a balance affordably.
  • No cash advance fee, balance transfer fee or annual fee.
Same Wheels Better Deals

Auto Refinance

Love your car, but not your car note? We’ve got you covered at Campus Federal. Refinance your auto loan with us, and we’ll reduce your rate by as much as 1% APR2 and give you a $100 cash bonus!

  • $100 cash bonus
  • 1% APR off current rate3
  • 90 days until first payment

Home Equity Line of Credit (HELOC)

A HELOC isn't just for home renovations. It can also help you plan a dream wedding, take a long-overdue vacation, pay for college, pay off debt, and more. Live the life you want with a low rate. 

You can save up to $1,000 on closing costs4! Plus, enjoy these benefits:

  • Competitive rates
  • Flexible terms
  • No annual fee
  • No prepayment penalty
  • $5,000 minimum line of credit 

Signature Loan

We all have expenses that arise at a moment's notice. No matter the situation, Campus Federal makes it easy to quickly get the funds you need. 

  • Low fixed rate5
  • No collateral required
  • $500 minimum loan
  • Maximum Term of 84 months
  • Payroll deduction, Bill Pay and transfer payment options available
  • Payment protection insurance available
  • No repayment penalty

Loan payments can be paid monthly or bi-weekly. On a $10,000 loan at a term of 60 months with an interest rate of 10.49% APR, the monthly payment would equal $214.89.

1APR = Annual Percentage Rate. APR is variable.
Membership and credit approval required. Some limitations may apply. Prestige APR is determined by adding 6.50% to Wall Street Journal Prime. Rewards APR is determined by adding 9.50% to Wall Street Journal Prime. No annual fee, cash advance fee, or balance transfer fee.

2For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.49% APR could be as low as $393.32. Terms for model years valid until December 31, 2023. 2APR= Annual Percentage Rate.

3Minimum APR based on current minimum rate. Must provide evidence of current rate. Subject to underwriting and collateral approval. Not available for existing Campus Federal loans. Minimum loan amount is $10,000 for $100 cash bonus. Cash back paid into existing share account after loan closing. Interest continues to accrue during first 90 days. Terms and conditions may apply including membership eligibility.

4On lines of credit in which the first draw is $15,000 or more. Some restrictions apply. Contact a Campus Federal representative for more details. Rates are subject to change at any time. Offer subject to credit approval. Additional fees may apply, including a one-time membership fee of $10 for a new member.

5APR= Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Membership and credit approval required. On a $10,000 loan at a term of 60 months with an interest rate of 10.99% APR, the monthly payment would equal $219.33