GFA Federal Credit Union

Home Equity Loan and Line Rates

Effective Date:

 

Home Equity Line of Credit - up to 80% LTV

Term
Rate
Annual Percentage Rate (APR)
Current Variable Rate
Max APR
Term 6 Months
Rate 5.990%
Annual Percentage Rate (APR) 5.990%
Current Variable Rate 6.250%
Max APR 18%

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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. 
5.990% 6 month Promo rate then Prime minus 0.500% for life with 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.
The Promo rate may be discounted without notice. 
Home owners insurance may be required.
Limited time offer.

Home Equity Loan - up to 80% LTV

Term
Rate
Annual Percentage Rate (APR)
Payments/$1,000*
Term Up to 60 Months
Rate 6.500%
Annual Percentage Rate (APR) 6.500%
Payments/$1,000* $19.57

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Term Up to 120 Months
Rate 7.000%
Annual Percentage Rate (APR) 7.000%
Payments/$1,000*$11.61

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Term Up to 180 Months
Rate 7.125%
Annual Percentage Rate (APR) 7.125%
Payments/$1,000*$9.06

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Term Up to 240 Months
Rate 7.500%
Annual Percentage Rate (APR) 7.500%
Payments/$1,000* $8.06

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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
*Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.

Home Equity Line of Credit - from 80% to 90% LTV

Term
Rate
Annual Percentage Rate (APR)
Max APR
Term Equity Line
Rate 7.750%
Annual Percentage Rate (APR) 7.750%
Max APR 18%

Apply Now

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
Term Equity Line
Rate 8.750%
Annual Percentage Rate (APR) 8.750%
Max APR 18%

Apply Now

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 Loan - from 80.01% to 90% LTV

Term
Rate
Annual Percentage Rate (APR)
Payments/$1,000*
Term Up to 60 Months
Rate 7.500%
Annual Percentage Rate (APR) 7.500%
Payments/$1,000* $20.04

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Term Up to 120 Months
Rate 8.000%
Annual Percentage Rate (APR) 8.000%
Payments/$1,000* $12.13

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Term Up to 180 Months
Rate 8.250%
Annual Percentage Rate (APR) 8.250%
Payments/$1,000* $9.70

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Term Up to 240 Months
Rate 8.500%
Annual Percentage Rate (APR) 8.500%
Payments/$1,000* $8.68

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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.
*Payment 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

Investment Property Home Equity Line of Credit - up to 80% LTV

Term
Rate
Annual Percentage Rate (APR)
Current Variable Rate
Term Equity Line
Rate 8.500%
Annual Percentage Rate (APR) 8.500%
Current Variable Rate 8.500%

Apply Now

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 1.750% 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).
Variable rate, subject to change without notice.
Home owners insurance may be required.

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