Get a home you’ll love and a mortgage you can live with.
We don’t treat your mortgage like just another loan — we’re invested in tailoring your mortgage specific to you from start to home.
Features of a GFA Mortgage Loan
- Low rates and flexible terms
- Refinancing available
- Local decision making
A fixed rate mortgage from GFA gives you the security of knowing exactly what your payment is each month. Choose from 15, 20 and 30 year terms.
Ask about "HOW1" we can help you with up to $25,000 in down payment assistance!
- Fixed interest rate
- Fixed principal and interest payments
- GFA retains servicing of home loan
- Pre-qualify before you shop
- 100% financing may apply
1The Federal Home Loan Bank of Boston offers the Housing Our Workforce (HOW) program across New England on a first-come, first-served basis as funds become available starting in the spring. Other eligibility restrictions apply.
Homeowners refinance their mortgage to save money or shorten the term of their loan. No matter what your reason, GFA's Mortgage Team will work with you to give you the best option to fit your needs.
- Lower interest rate and monthly payments
- Choose your term and adjustable or fixed rates
- Pay off your mortgage sooner
- Local decision making
Buying a house is exciting, and it may be the biggest purchase you make. That’s why GFA has options for the First Time Homebuyer. We make buying your first home affordable with terms that work for your budget. Our mortgage experts will guide you through the home buying process every step of the way.
- Get pre-qualified before you buy
- First Time Homebuyer Assistance Programs1:
- Equity Builder Program: Gives up to $32,099 in assistance to those who qualify.
- Lift Up Homeownership Program: Gives up to $40,000 in assistance to qualified first-generation homebuyers of color.
- Housing our Workforce Program (HOW): Gives up to $25,000 in down payment assistance to those who qualify.
- First Time Homebuyer incentives
- receive up to a $1,000 credit.
- Local lending
1The Federal Home Loan Bank of Boston offers these down payment assistance programs across New England on a first-come, first-served basis as funds become available starting in the spring. Other eligibility restrictions apply.
An Adjustable Rate Mortgage (ARM) is a home loan that begins with a fixed rate before adjusting over time. Designed with flexibility built in, an ARM may help increase your buying power and make homeownership more attainable — especially if you plan to move or refinance in the future.
- 100% financing available
- Often a lower rate and payment than with conventional mortgages
- Caps protect you from rising rates and when the rates go down so does your mortgage payment
{beginAccordions}
Why Choose an Adjustable Rate Mortgage (ARM)?
Lower Initial Payments:
ARMs typically start with a lower interest rate than fixed-rate mortgages. This often means lower monthly payments in the early years, helping you manage cash flow or put money toward other priorities like savings or home improvements.
Flexibility for the Future:
Many borrowers choose an ARM knowing their situation may change. Whether you plan to move, refinance, or adjust your loan down the road, an ARM can offer short-term savings while keeping long-term options open.
Planning to Refinance:
Some borrowers use an ARM as a starting point, with the goal of refinancing later into a fixed-rate mortgage, such as a 30-year loan if interest rates and personal finances allow. Refinancing is not guaranteed and depends on factors at the time, including market rates, home value, credit, and income.
Ideal for Shorter-Term Homeownership:
If you expect to sell your home within a few years, an ARM may allow you to benefit from the lower introductory rate without ever reaching the adjustment period.
How Does an ARM Work?
A 5-Year / 6-Month ARM offers a fixed interest rate for the first five years. After that, the rate may adjust every six months based on market conditions, subject to rate caps.
Example:
Loan Amount: $300,000
ARM Type: 5-Year / 6-Month
First 5 Years: Your interest rate, and principal and interest payment are fixed for the first five years (the “5” in a 5-Year / 6-Month ARM)
After Year 5: The interest rate and payment may change every six months for the remainder of the loan term (the “6” in a 5-Year / 6-Month ARM), based on market conditions and subject to rate caps
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Go big! Finance your dream home and live the lifestyle you've worked hard to achieve. A Jumbo Mortgage is for home loans $832,750.01 or more.1
- Purchase or refinance
- Pre-qualify before you shop
1Home owners insurance may be required. Subject to normal credit review. Rates are subject to change without notice.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividend earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
18/65 Checking
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.00 | 0.00% | 0.00% | $10.00 |
Rates are subject to change without notice. Fees may reduce earnings.
18/65 Savings
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 $10.00+ |
0.00% 0.05% |
0.00% 0.05% |
$10.00 |
Rates are subject to change without notice. Fees may reduce earnings.
Adjustable Rate Mortgages
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 5-Year / 6-Month | 0 | 6.250% | 6.594% | $615.72 - $996.00 |
| 7-Year / 6-Month | 0 | 6.500% | 6.773% | $632.07 - $994.00 |
Adjustable Rate Mortgages (ARM) are variable rate loans, interest rates and payments may increase after the initial term.
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Example: A 5-Year / 6-Month ARM offers a fixed interest rate for the first five years. After that, the rate may adjust every six months based on market conditions, subject to rate caps.
Auto Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 24 Month | 4.99% | $43.87 |
| 36 Month | 5.74% | $30.30 |
| 48 Month | 5.74% | $23.37 |
| 66 Month | 5.99% | $17.82 |
| 75 Month | 6.24% | $16.14 |
| 84 Month | 6.99% | $15.09 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for automobiles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer autos. For rates on automobiles 2017 and older, please call us. GFA membership is required, members must maintain a $10.00 deposit relationship.
Business Money Market
| Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 and above |
1.50% 2.50% 3.00% 3.50% |
1.49% 2.47% 2.96% 3.45% |
$500.00 |
1(APY) Annual Percentage Yield
Rates are variable and subject to change after account opening. Fees may reduce earnings. Rates are subject to change without notice.
Business Savings
| Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0 - $4,999.99 $5,000 - $25,000.00 $25,000+ |
0.10% 0.50% 1.65% |
0.10% 0.50% 1.64% |
$500.00 |
1(APY) Annual Percentage Yield
Rates are variable and subject to change after account opening. Fees may reduce earnings. Rates are subject to change without notice.
Emergency Express
| Emergency Express | Term | APR1 | Payments/$1,000 |
|---|---|---|---|
| 12 Month | 17.49% | $92.11 |
Requires a 90 day active GFA membership with a minimum direct deposit of $250 per month, other qualifications apply. Published rate includes a .50% discount when you enroll in automatic payment. No credit pull, verification of income required, no application fee. Only 1 Signature Loan can be open at a time, no roll-overs, no more than 3 loans may be made within a 6 month rolling timeframe. Rates are subject to change without notice. You must apply directly to the Credit Union to be eligible. Not valid with any other offer and is non-transferable.
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Advertised rates for personal loans reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee. GFA membership is required, members must maintain a $10.00 deposit relationship.
First Time Homebuyer Program
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 30 Years | 0 | 6.500% | 6.776% | $632.07 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
$500 closing cost credit.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Fixed Rate Mortgage - up to $832,750.00
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 15 Years | 0 | 6.125% | 6.572% | $850.62 |
| 20 Years | 0 | 6.625% | 6.991% | $752.95 |
| 30 Years | 0 | 6.500% | 6.776% | $632.07 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Bi-weekly rates available.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Rates and fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply.
Free Checking
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.00 | 0.00% | 0.00% | $25.00 |
Rates are subject to change without notice. Fees may reduce earnings.
Free Checking+
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 - $500.00 $500.01 - $10,000.00 $10,000.01 + |
5.00% 3.00% 0.01% |
4.89% 2.96% 0.01% |
$25.00 |
Fusion Savings
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 $25,000.00+ |
2.60% 1.60% |
2.57% 1.59% |
$1,000.00 |
Rates are subject to change without notice. Fees may reduce earnings.
Home Equity Line of Credit - from 80% to 90% LTV
| Term | Rate | Annual Percentage Rate (APR) | Max APR |
|---|---|---|---|
| Equity Line | 7.750% | 7.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 1.000% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
MAX loan amount $250,000
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Line of Credit - from 90% to 100% LTV
| Term | Rate | Annual Percentage Rate (APR) | Max APR |
|---|---|---|---|
| Equity Line | 8.750% | 8.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 2.000% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
MAX loan amount $250,000
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Line of Credit - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Current Variable Rate | Max APR |
|---|---|---|---|---|
| Equity Line | 6.750% | 6.750% | 6.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 yr draw - 10 yr repayment interest only payments, annual fee may apply.
Prime rate for the life of the loan, with a floor rate of 4.000%.
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Loan - from 80.01% to 90% LTV
| Term | Rate | Annual Percentage Rate (APR) | Payments/$1,0001 |
|---|---|---|---|
| Up to 60 Months | 7.500% | 7.500% | $20.04 |
| Up to 120 Months | 8.000% | 8.000% | $12.13 |
| Up to 180 Months | 8.250% | 8.250% | $9.70 |
| Up to 240 Months | 8.500% | 8.500% | $8.68 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
1Payment does not include taxes and insurance; actual payments may be greater
Home owners insurance may be required
MAX loan amount $250,000
Rates are subject to change without notice
Home Equity Loan - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Payments/$1,0001 |
|---|---|---|---|
| Up to 60 Months | 6.500% | 6.500% | $19.57 |
| Up to 120 Months | 7.000% | 7.000% | $11.61 |
| Up to 180 Months | 7.125% | 7.125% | $9.06 |
| Up to 240 Months | 7.500% | 7.500% | $8.06 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Investment Property Home Equity Line of Credit - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Current Variable Rate |
|---|---|---|---|
| Equity Line | 7.750% | 7.750% | 7.750% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 5 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 1.000% with floor of 5.500%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
Variable rate, subject to change without notice.
Home owners insurance may be required.
IRA Share Certificates
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 3 Month Special | $500.00 | 1.00% | 1.00% | $500.00 |
| 3 < 6 Months | $500.00 | 0.20% | 0.20% | $500.00 |
| 5 Month Special | $500.00 | 3.80% | 3.74% | $500.00 |
| 6 Month Special | $500.00 | 2.75% | 2.72% | $500.00 |
| 6 < 12 Months | $500.00 | 0.25% | 0.25% | $500.00 |
| 10 Month Special | $500.00 | 3.70% | 3.64% | $500.00 |
| 12 < 24 Months | $500.00 | 0.35% | 0.35% | $500.00 |
| 15 Month Special | $500.00 | 3.60% | 3.54% | $500.00 |
| 24 < 36 Months | $500.00 | 0.40% | 0.40% | $500.00 |
| 25 Month Special | $500.00 | 3.20% | 3.15% | $500.00 |
| 36 < 48 Months | $500.00 | 0.60% | 0.60% | $500.00 |
| 48 < 60 Months | $500.00 | 0.75% | 0.75% | $500.00 |
| 60 =/< 84 Months | $500.00 | 0.85% | 0.85% | $500.00 |
Jumbo Adjustable Rate Mortgages - over $832,750.00
Contact our Mortgage Originators for current rates and to learn more.
Member Business Checking
| Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 | Earnings Credit2 | N/A | $100.00 |
1(APY) Annual Percentage Yield
2Earnings Credit is calculated using prior month average three-month constant maturity Treasury rate, as published in Federal Reserve Publication H.15 - "Selected Interest Rates". Rate changes the first Tuesday of each month.
Money Market
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) |
Dividend Rate
|
Minimum to Open |
|---|---|---|---|
| $0.01 - $9,999.99 | 0.00% | 0.00% | $500.00 |
| $10,000.00 and above | 3.25% | 3.21% |
Motorcycle Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 36 Months | 9.99% | $34.31 |
| 60 Months | 10.99% | $23.13 |
| 72 Months | 11.49% | $20.53 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer motorcycles. GFA membership is required, members must maintain a $10.00 deposit relationship.
New Start Checking
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.00 | 0.00% | 0.00% | $25.00 |
Rates are subject to change without notice. Fees may reduce earnings.
Non-Profit Checking
| Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 - $499.99 $500+ |
0.00% 0.02% |
0.00% 0.02% |
$50.00 |
1(APY) Annual Percentage Yield
Non-Profit Savings
| Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 - $50,000.00 $50,000.01 - $100,000.00 $100,000.01 - $250,000.00 $250,000.01 - $500,000.00 $500,000.01 and above |
1.50% 2.50% 3.25% 3.25% 3.75% |
1.49% 2.47% 3.20% 3.20% 3.69% |
$500.00 |
1(APY) Annual Percentage Yield
Rates are variable and subject to change after account opening. Fees may reduce earnings. Rates are subject to change without notice.
Personal Loan Rates
| Personal Loan | Term | APR1 | Payments/$1,000 |
|---|---|---|---|
| 48 Month | 13.99% | $27.32 | |
| 72 Month | 15.99% | $21.69 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Advertised rates for personal loans reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee. GFA membership is required, members must maintain a $10.00 deposit relationship.
Recreational Vehicle Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 60 Months | 9.99% | $22.60 |
| 72 Months | 10.99% | $20.25 |
| 84 Months | 11.49% | $18.50 |
| 120 Months | 11.99% | $15.27 |
| 180 Months | 13.49% | $13.83 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for recreational vehicles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 120% financing available on consumer recreational vehicles. For rates on recreational vehicles 2016 and older, please call us. Snowmobiles and ATV’s have a max term of 72 months. GFA membership is required, members must maintain a $10.00 deposit relationship.
Savings IRA
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 $50.00 $500.00 $5,000.00 |
0.00% 0.05% 0.05% 0.05% |
0.00% 0.05% 0.05% 0.05% |
$50.00 |
Rates are subject to change without notice. Fees may reduce earnings.
Small Business Checking
| Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| N/A | 0.00% | 0.00% | $25.00 |
1(APY) Annual Percentage Yield
Statement Savings
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|
| $0.01 $50.00 $500.00 $5,000.00 |
0.00% 0.05% 0.05% 0.05% |
0.00% 0.05% 0.05% 0.05% |
$30.00 |
Student Saver Certificate
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 12 Months | $100.00 | 4.00% | 3.93% | $100.00 |
Term Share Certificates
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 3 Month Special | $500.00 | 3.25% | 3.20% | $500.00 |
| 3 < 6 Months | $500.00 | 0.20% | 0.20% | $500.00 |
| 5 Month Special | $500.00 | 3.80% | 3.74% | $500.00 |
| 6 Month Special | $500.00 | 3.75% | 3.69% | $500.00 |
| 6 < 12 Months | $500.00 | 0.25% | 0.25% | $500.00 |
| 8 Month Special1 | $1,000.00 | 4.00% | 3.93% | $1,000.00 |
| 10 Month Special | $500.00 | 3.70% | 3.64% | $500.00 |
| 12 < 24 Months | $500.00 | 0.35% | 0.35% | $500.00 |
| 15 Month Special | $500.00 | 3.75 % | 3.69% | $500.00 |
| 24 < 36 Months | $500.00 | 0.40% | 0.40% | $500.00 |
| 25 Month Special | $500.00 | 3.20% | 3.15% | $500.00 |
| 36 < 48 Months | $500.00 | 0.60% | 0.60% | $500.00 |
| 48 < 60 Months | $500.00 | 0.75% | 0.75% | $500.00 |
| 60 =/< 84 Months | $500.00 | 0.85% | 0.85% | $500.00 |