Get your debt under control with a Home Equity Line of Credit

Consolidate your high interest credit card and student loans payments into one low monthly payment. 

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Introductory Rate
2.99%APR* for 18 months

Current Variable Rate

  • Consolidate your high interest payments into one low monthly payment
  • No closing costs
  • No application fee
  • Principal and interest payment options available

*2.99% Annual Percentage Rate fixed for 18 months.  Thereafter, the variable rate APR will be set on the first business day of each month at the prime rate published in the Wall Street Journal on the last business day of the previous month, minus .25%, (the current Wall Street Journal Prime is 5.50%).  Maximum rate is 18% with a floor rate of 4.50%.  No closing costs, a $50 annual fee will apply.  10 year draw with interest only repayments, after the first 10 years, repayment is interest plus principal.  Maximum 80% loan to value.  Offer applies to owner occupied primary residence.  GFA membership required.  Homeowners insurance may be required.  Appraisal may be required on lines over $100,000.  Early termination fee will be charged if line is discharged within the first three years of closing.  Subject to normal credit requirements.  Limited time offer.

Why GFA?

GFA serves those who work and live in North Central Massachusetts and Southern New Hampshire.  We are owned by you, the member, which means the savings are passed down to you with higher interest rates and lower loan rates.