Home Loan Rates

Home Equity Line of Credit

20 Year Term - Variable

as low as 4.750% APR

90% Home Equity Loan

10 Year Term - Fixed Rate

4.99% APR

90% Home Equity Loan

7 Year Term - Fixed Rate

4.99% APR

90% Home Equity Loan

5 Year Term - Fixed Rate

4.99% APR

Energy Efficient Line of Credit

20 Year Term - Variable

6.750% APR

Interest-Only Home Equity Line of Credit

20 Year Term - Variable

as low as 4.750% APR

Construction Loan

Fixed

4.490% (4.533% APR)

One-Time Close Construction Loan

Mortgage

as low as 3.875% (4.425% APR)

Improved Building Lot

Fixed

5.490% (5.685% APR)

Rates and terms are accurate as of May 22, 2018 and are subject to change. The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria. Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months. One-Time Close Construction long-term loan is a 30-Year 5/1 Adjustable Rate Mortgage (ARM). Stated rate is as low as 3.875%, Annual Percentage Rate (APR) 4.425%. Rate example based on loan amount of $330K, 680+ FICO, and 80% Loan-to-value. Rate for construction period of loan is 4.50% Variable (Prime Rate -0.25%). Construction Rate is 4.49% Fixed with an APR as low as 4.533%. Rate example based on loan amount of $250K, 660+ FICO, and 90% loan-to-value. The following payment examples are based on a loan amount of $100,000 and interest payments. A 5-year mortgage with a fixed Annual Percentage Rate (APR) of 3.99% and LTV up to 80% will have a payment of $1,841. A 7-year mortgage with a fixed APR of 4.24% and LTV up to 80% will have a payment of $1,378. A 10-year mortgage with a fixed APR of 4.49% and an LTV up to 80% will have a payment of $1,036. Fees paid by GWCU. Other conditions and restrictions may apply. As of April 2, 2018, Prime Rate is 4.75% APR. Special lot loan rate of 5.49% available 3-26-18 through 6-30-18. Lot loan APR is based on a loan of $200,000 with a principle and interest monthly payment example of $1,105. Lot loan is for a 30-year term with a 3-year call. Annual Percentage Rates (APRs) for 12, 15 and 20 year mortgages are calculated based on a $100,000 loan with a 0.50% origination fee. 90% Home Equity Loan maximum loan amount is equal to 90% LTV or $250,000, whichever is less. Cap is $250,000. Annual Percentage Rate (APR) for 5/1 Adjustable Rate Mortgage (ARM) based on loan amount of $200,000 with 30-year term is $955 principle and interest.