Effective as of: 02/01/2023

Variable Rate Home Equity Line of Credit
APR Term
6.50%* 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 7.50% effective 12/14/2022
Floor rate 3.50% maximum rate 18%
Quick Decision - Quick Closing - usually within 48 hours

Fixed Rate Home Equity Line of Credit
APR Term
5.50% - First 3 years
6.00% - Remaining 7 years
3 Yr Draw Period - 10 Year Term

Conditions:
80% Loan to Value - no initial closing costs:
Quick Decision - Quick Closing - usually within 48 hours

Fixed Home Equity Loan
APR Term
5.75% 5 Years
6.25% 10 Years
6.50% 15 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.

Manufactured Home - Mobile Homes
APR Term
5.25% 5 Years
5.99% 6 - 7 Years
7.24% 8 - 10 Years
7.99% 11 - 15 Years
8.49% 20 Years*

Conditions:
*Restrictions apply
20% down - 80% Loan to Value. Rate adjust with credit worthiness. Call for more details.

Medallion Home Loan
APR Term
5.50% 5 Years
5.75% 10 Years
6.00% 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.

Personal Loan
APR Term
6.49% 1 - 5 Years

Conditions:
$250 minimum $7,500.00 maximum

Loan Special
APR Term
5.99% Up to 12 Months or less

Conditions:
250 minimum - $2,000.00 maximum
New Money Only – No refinance-12 month term or less

Share or Certificate Pledge
APR Term
4.00% Over rate Up to 60 months

Conditions:
Up to 90% financing.

Recreational Vehicles Loans
APR Term
9.00% New 1 - 5 Years
9.50% Used 1 - 5 Years

Conditions:
20% down – 80% financing
term determined by type of loan

1st Mortgage
APR Term
Fixed/Adjustable n/a

Conditions:
Please call for details.

New/Used Auto Loans
APR Model Year
5.09%* - 5.19%** 2022 - 2023
5.29%*** 2022 - 2023
5.19%* - 5.34%** 2020 - 2021
5.49%*- 5.59%** 2018 - 2019
6.09% 2016 - 2017
6.29% 2013- 2015

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

New/Used Motorcycle Loans
APR Model Year
6.00% 2022 - 2023
7.24% 2014 - 2021
7.49%* 2013

Conditions:
Up to 60 month term
requires 20% down – 80% financing
*48 month term or less

Apply for a Mortgage


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 7.00% (effective 6/28/2022). 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.