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Home Equity

Effective February 1, 2012 — February 29, 2012
Payment calculation is based on lowest rate.
**Rates are subject to change**
Rates published include the maximum .75% discount allowed (0.25% discount for single credit life, 0.25% direct deposit and auto transfer discount. 0.15% discount for being a member in good standing for 5 years. 0.10% discount with an active checking account in good standing.)
Term Daily Periodic Rate Annual Percentage Rate
Up to 5 years 0.010932% - 0.021890% 3.99%($25,000 min.) - 7.99%
60 monthly payments of $18.87 per $1,000 borrowed.
Up to 10 years
0.012986% - 0.022575%
4.74% - 8.24%
120 monthly payments of $10.73 per $1,000 borrowed.
Up to 15 years
0.013671% - 0.023260%
4.99% - 8.49%
180 monthly payments of $8.17 per $1,000 borrowed.
Up to 20 years
0.014493% - 0.024082%
5.29% - 8.79%
240 monthly payments of $7.05 per $1,000 borrowed.

To apply for a Home Equity or Home Improvement Loan fill out the application and return it to us along with the following:

  • 12 day notice
  • Mortgage Fraud Warning
  • Written verification of all household income
  • A tax statement
  • Your deed of trust
  • Your Homeowners Insurance Policy
  • Your Mortgage Balance
  • For Home Improvement we will also need a contractor's bid.
  • When the new loan amount is $100,000.  or more and the total Loan to Value Ratio of the property is more than 65%, GTFCU will require a certified appraisal  to determine the value of the property.

Home Calculators

How much home can I afford?

Comparing mortgages (i.e. 15, 20, 30 year).

Mortgage Payment Calculator

Should I make extra payments on my mortgage?

How much of a down payment should I make on my new home?

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