Use the equity in your home to help fund renovations, debt consolidation, major purchases and more! A term home equity loan provides you with a fixed rate, flexible terms and easy online payment options.

  • Fixed-rate loan
  • 5 to 15-year terms
  • Minimum loan amount of $20,000; maximum loan amount no greater than 80% of fair market value
  • Use for home improvements, major purchases, debt consolidation and more

Product Comparison

Home Equity Loan
(1st Lien)
Term Rate* APR*
5 Years 3.75% 3.83%
7 Years 3.95% 4.00%
10 Years 4.15% 4.19%
15 Years 4.35% 4.38%

*APR is Annual Percentage Rate. The APR is as of 5/21/19. APR calculations for Home Equity Loans (excluding lines of credit) are based on an assumed loan amount of $50,000. Minimum loan amount is $20,000. Maximum loan amount cannot exceed 80% of fair market value. All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. GFCU will pay customary lender fees to include charges for title search, credit reports, automated valuation reports, county recording, and document preparation. However, in certain circumstances, borrower may be responsible for additional costs such as title insurance, appraisal fee, property survey, and certain prepaid items. Property insurance is required, including flood insurance where required.