Effective as of: 10/01/2024
| APR | Term |
|---|---|
| 7.00%* | 5 Yr Draw Period - 15 Year Term |
Conditions:
*Up to 1.00% below Prime – Variable Rate
80% Loan to Value - no initial closing costs
Prime Rate 8.00% effective 09/24/2024
Floor rate 3.50% maximum rate 18%
Quick Decision - Quick Closing - usually within 48 hours
| APR | Term |
|---|---|
| 6.50% - First 3 years 7.00% - Remaining 7 years 6.75% - First 5 years |
3 Yr Draw Period - 10 Year Term
5 Yr Draw Period - 15 Year Term |
Conditions:
80% Loan to Value - no initial closing costs:
Quick Decision - Quick Closing - usually within 48 hours
| APR | Term |
|---|---|
| 6.50% | 5 Years |
| 6.75% | 10 Years |
| 7.00% | 15 Years |
| 7.250% | 20 Years |
Conditions:
80% Loan to Value,-NO initial closing costs: no appraisal
*Lower rate is for 1st lien position
Quick Decision - usually within 48 hrs.
| APR | Term |
|---|---|
| 6.99% | 5 Years |
| 7.49% | 6 - 7 Years |
| 8.99% | 8 - 10 Years |
| 9.49% | 11 - 15 Years |
| 9.99% | 20 Years* |
Conditions:
*Restrictions apply
20% down - 80% Loan to Value. Rate adjust with credit worthiness. Call for more details.
| APR | Term |
|---|---|
| 6.25% | 5 Years |
| 6.50% | 10 Years |
| 6.65% | 12 Years |
Conditions:
First Lien Position Only: Existing GFCU Loans are not eligible
for this promotion: 144 Month term or less:
Minimum credit score is 700.
| APR | Term |
|---|---|
| 9.24% | 1 - 5 Years |
Conditions:
$250 minimum $7,500.00 maximum
| APR | Term |
|---|---|
| 6.99% | Up to 12 Months or less |
Conditions:
250 minimum - $2,000.00 maximum
New Money Only – No refinance-12 month term or less
| APR | Term |
|---|---|
| 4.00% Over rate | Up to 60 months |
Conditions:
Up to 90% financing.
| APR | Term |
|---|---|
| 10.00% New | 1 - 5 Years |
| 10.50% Used | 1 - 5 Years |
Conditions:
20% down – 80% financing
term determined by type of loan
| APR | Term |
|---|---|
| Fixed/Adjustable | n/a |
Conditions:
Please call for details.
| APR | Model Year |
|---|---|
| 6.25%* - 6.50%** | 2023 - 2024 |
| 6.75%*** | 2023 - 2024 |
| 6.40%* - 6.60%** | 2021 - 2022 |
| 6.85*** | 2021 - 2022 |
| 6.80%*- 7.00%** | 2019 - 2020 |
| 7.25% | 2017 - 2018 |
| 7.50% | 2014 - 2016 |
Conditions:
0% down –125% (of NADA retail value)
**Up to 72 month term for autos
no more than 4 years old
***Up to 84 month term for autos
no more than 2 years old
*60 month term or less
| APR | Model Year |
|---|---|
| 8.00% | 2023 - 2024 |
| 8.49% | 2015 - 2022 |
| 8.99%* | 2014 |
Conditions:
Up to 60 month term
requires 20% down – 80% financing
*48 month term or less
All loans rates adjust with credit worthiness. Additional restrictions may apply.**Special is on auto loans new to Goldmark FCU.
APR = Annual Percentage Rate. WSJ Prime Rate 8.00% (effective 9/24/2024). Rates will be determined by individual creditworthiness. Account subject to individual approval. Maximum Equity Line or Equity Loan amount is $450,000. For the Home Equity Line of Credit, rates are variable based on the WSJ Prime Rate and may vary monthly, but the APR shall never go below 3.50%.
The maximum APR allowed by law is currently 18%. Property insurance required. A minimum initial draw of $10,000 is required for Equity Loans. A $410 termination fee will apply if an Equity Line or an Equity Loan is closed within the first 24 months. 80% combined LTV for owner-occupied residences. Rates subject to change without notice. Membership eligibility requirements apply.