Home Loan Rates

Mortgage Rates

Competitive, Fixed Rates at 15, 20 or 30 Years

Our Mortgages are highly competitive, and we will work with you to get the best products and rates possible. We could help you save on your monthly mortgage payments and improve your cashflow.

Enjoy competitive, fixed rates when you choose a Mortgage from GFCU. We offer MyAdvantage Mortgage, Conventional Mortgage and Jumbo Mortgage products.

CHECK MORTGAGE RATES

Home Equity Loan Rates

Term

1st Lien Rate* (as low as)

1st Lien APR* (as low as)

2nd Lien Rate* (as low as)

2nd Lien APR* (as low as)

5 years

6.50%

7.36%

7.00%

7.86%

7 years

6.50%

7.13%

7.00%

7.63%

10 years

6.55%

7.01%

7.05%

7.51%

15 years

6.60%

6.93%

7.10%

7.43%

20 years

6.75%

7.01%

7.25%

7.52%

*APR is Annual Percentage Rate. The APR is as of 11/04/2025. APR calculations are based on an assumed loan amount of $50,000. Minimum loan amount is $30,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the loan amount. Property insurance is required, including flood insurance where required. Payment Example: For a $50,000 loan for a term of 15 years (180 months) with a 6.93% APR, the monthly payment will be $438.31. Taxes and insurance premiums are not included in this payment example and member’s actual payment obligation may be greater.

HELOC Rates (Interest-Only)

Terms

Rate

APR* (As low as)

Minimum Draw

15 years

6.00%

6.32%**

$10,000

*APR is Annual Percentage Rate. The APR is as of 11/04/2025. APR is based on an assumed balance of $50,000. Initial minimum draw of $10,000. Minimum loan amount $20,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value) All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the amount of the equity line. Property insurance is required, including flood insurance where required.
**Payments are interest-only for the first 5 years.

HELOC Rates (Principal + Interest Payments)

Terms

Rate

APR* (As low as)

Minimum Draw

10 years

7.00%

7.46%

$16,000

15 years

7.40%

7.73%

$10,000

*APR is Annual Percentage Rate. The APR is as of 11/04/2025. APR is based on an assumed balance of $50,000. Initial minimum draws will vary based on term selected. Minimum loan amount $20,000. Maximum loan amount cannot exceed 80% CLTV (combined loan-to-value). All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness. Borrower may be responsible for certain closing costs, the exact amount of which depends on the property type, location, and the amount of the equity line. Property insurance is required, including flood insurance where required.