Home Equity Rates

*APR=Annual Percentage Rate. Rates are subject to change at any time. Interest Only up to 80% CLTV floor rate is 4% and maximum is 16%. Interest Only 80.01-90.00% CLTV floor rate is 6% and a maximum of 18%. Interest only rates vary from Prime plus 1% to Prime plus 4.50%. 80% CLTV product is available in IL, WI, IN, AZ, CA. 80.01%-90.00% CLTV product is available in IL, IN and WI. 80.01-90.00% CLTV is only valid for direct member applications and owner-occupied properties. Property insurance is required. Flood insurance may be required. Consult your tax advisor about the deductibility of interest. Borrower is responsible for all closing cost fees. Closing costs will be advanced from the available Home Equity Line of Credit. There is a $50 annual fee after the first year and a $100 minimum monthly payment. Rates may change monthly based on rates published in the Money Rates column of the Wall Street Journal. Your initial APR for a Home Equity Line of Credit will be calculated by adding the appropriate margin to the prevailing Prime Rate (index) as published in the Money Rates column of the Wall Street Journal as of the date your documents are prepared. The initial rate will remain in effect until the first rate change date as described. The subsequent APR is a variable rate based on the highest Prime Rate as listed in the Money Rates Section of the Wall Street Journal on the first business day of the month, which was 7.50% on XX/XX/2025. Other fees may apply. Please reference our Fee Schedule.

*APR=Annual Percentage Rate. Rates are subject to change at any time. Interest Only up to 80% CLTV floor rate is 4% and maximum is 16%. Interest Only 80.01-90.00% CLTV floor rate is 6% and a maximum of 18%. Interest only rates vary from prime plus 1% to prime plus 4.50%. 80% CLTV Product is available in IL, WI, IN, AZ, CA. 80.01%-90.00% CLTV Product is available in IL, IN and WI. 80.01-90.00% CLTV is only valid for direct member applications, and owner-occupied properties. Property insurance is required. Flood insurance may be required. Consult your tax advisor about the deductibility of interest. Borrower is responsible for all closing cost fees. Closing costs will be advanced from the available Home Equity Line of Credit. There is a fifty-dollar annual fee after the first year and a $100 minimum monthly payment. Rates may change monthly based on rates published in the Money Rates column of the Wall Street Journal. Your initial APR for an Interest Home Equity Line of Credit will be calculated by adding the appropriate margin to the prevailing Prime Rate (index) as published in the Money Rates column of the Wall Street Journal as of the date your documents are prepared. The initial rate will remain in effect until the first rate change date as described. The subsequent APR is a variable rate based on the highest Prime Rate as listed in the Money Rates Section of the Wall Street Journal on the first business day of the month, which was 7.50% on 12/19/2024. Other fees may apply, please reference GLCU’s fee schedule.