Our Rates

Mortgages

30-Year Fixed Rate Mortgage

Rate (as low as)APR
2.99%3.066%

Rates are effective as of 4/7/2020. All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness or specific loan details. Fees may apply. The rates provided above assume the purpose of the loan is to purchase a property, with a loan amount of $136,000 and an estimated property value of $170,000. Different rates apply for cash out transactions. The property is located in San Antonio, TX and is within Bexar County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed FICO score is 680.

20-Year Fixed Rate Mortgage

Rate (as low as)APR
2.69%2.797%

Rates are effective as of 4/7/2020. All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness or specific loan details. Fees may apply. The rates provided above assume the purpose of the loan is to purchase a property, with a loan amount of $136,000 and an estimated property value of $170,000. Different rates apply for cash out transactions. The property is located in San Antonio, TX and is within Bexar County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed FICO score is 680.

15-Year Fixed Rate Mortgage

Rate (as low as)APR
2.49%2.628%

Rates are effective as of 4/7/2020. All loans are subject to approval. Rates and terms are subject to change without notice and may vary based on creditworthiness or specific loan details. Fees may apply. The rates provided above assume the purpose of the loan is to purchase a property, with a loan amount of $136,000 and an estimated property value of $170,000. Different rates apply for cash out transactions. The property is located in San Antonio, TX and is within Bexar County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed FICO score is 680.

Home Equity

Home Equity Loan (1st Lien)

TermRate*APR*
5 years3.75%3.83%
7 years3.95%4.00%
10 years4.15%4.19%
15 years4.35%4.38%

*APR is Annual Percentage Rate. The APR is as of 03/20/2020. APR calculations 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 for first liens or 70% for second liens. 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, 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.

Home Equity Line of Credit (Interest-Only)

TermAPR* (as low as)Minimum Draw
15 years6.00%**$10,000

*APR is Annual Percentage Rate. The APR is as of 03/20/2020. APR is based on an assumed balance of $50,000. Maximum loan amount cannot exceed 80% of fair market value for first liens or 70% for second liens. 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, 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.

**Payments are interest-only for the first 5 years.

Home Equity Line of Credit (Principal + Interest Payments)

TermAPR* (as low as)Minimum Draw
10 years5.74%$16,000
15 years6.24%$10,000

*APR is Annual Percentage Rate. The APR is as of 03/20/2020. APR is based on an assumed balance of $50,000. Maximum loan amount cannot exceed 80% of fair market value for first liens or 70% for second liens. 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, 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.