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 7.000%
Max APR 18%

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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 7.500% (effective 12/19/2024). 
Variable rate, subject to change without notice.
The initial rate may be discounted.
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 5.990%
Annual Percentage Rate (APR) 5.990%
Payments/$1,000* $19.33

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Term Up to 120 Months
Rate 6.750%
Annual Percentage Rate (APR) 6.750%
Payments/$1,000*$11.48

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Term Up to 180 Months
Rate 7.000%
Annual Percentage Rate (APR) 7.000%
Payments/$1,000*$8.99

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Term Up to 240 Months
Rate 7.250%
Annual Percentage Rate (APR) 7.250%
Payments/$1,000* $7.90

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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 80.01% to 100% LTV

Term
Rate
Annual Percentage Rate (APR)
Max APR
Term Equity Line
Rate 9.500%
Annual Percentage Rate (APR) 9.500%
Max APR 18%

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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 7.500% (effective 12/18/2024).
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 7.240%
Annual Percentage Rate (APR) 7.240%
Payments/$1,000* $19.91

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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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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 are subject to change without notice

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