Home Loan Rates

30 Year Fixed

Conventional Mortgage

as low as 4.500% (4.604% APR)

20 Year Fixed

Conventional Mortgage

as low as 4.250% (4.420% APR)

15 Year Fixed

Conventional Mortgage

as low as 4.000% (4.179% APR)

5/1 Adjustable Rate Mortgage No MI

Mortgage

as low as 4.625% (4.826% APR)

20 Year First Mortgage w/ 5 Year Call

Mortgage

4.875% (5.144% APR)

20 Year Second Mortgage w/ 5 Year Call

Mortgage

5.240% (5.343% APR)

15 Year First Mortgage w/ 5 Year Call

Mortgage

4.740% (4.869% APR)

15 Year Second Mortgage w/ 5 Year Call

Mortgage

5.240% (5.371% APR)

12 Year First Mortgage w/ 6 Year Call

Mortgage

4.490% (4.646% APR)

12 Year Second Mortgage w/ 6 Year Call

Mortgage

4.990% (5.148% APR)

10 Year Mortgage

Mortgage

4.740% (4.740% APR)

7 Year Mortgage

Mortgage

4.490% (4.490% APR)

5 Year Mortgage

Mortgage

4.240% (4.240% APR)

Home Equity Line of Credit

20 Year Term - Variable

as low as 5.250% APR

90% Home Equity Loan

10 Year Term - Fixed Rate

5.24% APR

90% Home Equity Loan

7 Year Term - Fixed Rate

5.24% APR

90% Home Equity Loan

5 Year Term - Fixed Rate

5.24% APR

Interest-Only Home Equity Line of Credit

20 Year Term - Variable

as low as 5.250% APR

Construction Loan

Fixed

4.490% (5.851% APR)

One-Time Close Construction Loan

Mortgage

as low as 4.240% (4.673% APR)

Improved Building Lot

Fixed

5.490% (5.862% APR)

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Rates and terms are accurate as of December 10, 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. Construction Rate is 4.49% Fixed with an APR as low as 5.851%. Rate example based on loan amount of $250K, 660+ FICO, and 90% loan-to-value. One-Time Close Construction long-term loan is a 30-Year 5/1 Adjustable Rate Mortgage (ARM). Stated rate is as low as 4.24%, Annual Percentage Rate (APR) 4.703%. Rate example based on loan amount of $330K, 680+ FICO, and 80% loan-to-value. Rate for construction period of loan is 5.25% Variable (Prime Rate + 0.00%). 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 4.49% and LTV up to 80% will have a payment of $1,390. A 10-year mortgage with a fixed APR at 4.74% and an LTV up to 80% will have a monthly payment of $1,048. Fees paid by GWCU on loans less than $200,000. Other conditions and restrictions may apply. As of October 1, 2018, Prime Rate is 5.25% APR. Lot Rate is 5.49% Fixed with an APR as low as 5.862%. Rate example based on loan amount of $100K, 680+ FICO, and 80% loan-to-value. 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. 5/1 ARM No MI Rate is 4.625%. Annual Percentage Rate (APR) as low as 4.826% with a monthly principle and interest payment of $1,281. Rate and payment example based on loan amount of $200K, 680+ FICO, and 80% loan-to-value.