Our Rates

APR is Annual Percentage Rate. 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. Click on rates listed for additional information and loan assumption details.
Home Equity

Home Equity Line of Credit (Interest-Only)

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

**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

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 11/22/19. 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.