Home Equity Rates
| Rates As Low As | Annual Percentage Rate (APR)* | Maximum LTV | Term | Estimated Monthly Payment/$1000 |
|---|---|---|---|---|
| 6.750% | 6.750% | 80% | 10 Years | $11.48 |
| 8.500% | 8.500% | 90% | 10 Years | $12.40 |
| 9.750% | 9.750% | 100% | 10 Years | $13.08 |
| 7.250% | 7.250% | 80% | 15 Years | $9.13 |
| 9.000% | 9.000% | 90% | 15 Years | $10.14 |
| 10.250% | 10.250% | 100% | 15 Years | $10.90 |
| 7.500% | 7.500% | 80% | 20 Years | $8.06 |
| 9.250% | 9.250% | 90% | 20 Years | $9.16 |
| 9.500% | 9.500% | 100% | 20 Years | $9.32 |
| *Annual Percentage Rate (APR) is based on a loan of $75,000 and a minimum credit score of 700 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. Closing costs in the range of $400 - $800 will be incurred on all Home Equity Plans. Hazard Insurance is required. No Closing Costs incurred on Equity Loan if a minimum of $75,000.00 established at closing and GSCU is in second lien position, and home is not listed for sale. Minimal fees incurred if GSCU is in first lien position or title is held in a trust. An Early Termination Charge equal to the amount of Bona Fide Third-Party Costs paid by Granite State Credit Union on your behalf will be charged to you in the event you make a full prepayment of the principal balance and close your home equity loan with us before the third anniversary of the date your home equity loan was opened with us. After the third anniversary, the early termination charge will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $766,550.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily. | ||||
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| Rates As Low As | Annual Percentage Rate (APR)* | Maximum LTV | Estimated Monthly Payment/$1000 | |
|---|---|---|---|---|
| Fixed | 8.750% | 8.750% | 80% | $12.53 |
| Fixed | 10.000% | 10.000% | 90% | $13.22 |
| Fixed | 11.250% | 11.250% | 100% | $13.92 |
| Variable | Prime -.25% | 7.250% | 80% | $11.75 |
| Variable | Prime +.75% | 8.250% | 90% | $12.27 |
| Variable | Prime +2.50% | 10.000% | 100% | $13.22 |
| (5 Year Draw - 10 Year Repayment). Minimum Payment during draw period will be interest only based on line balance and number of days in the billing period. *Annual Percentage Rate (APR) is based on a loan of $75,000 and a minimum credit score of 700 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. Closing costs in the range of $400 - $800 will be incurred on all Home Equity Plans. Hazard Insurance is required. No Closing Costs incurred on Equity Loan if a minimum of $75,000.00 established at closing and GSCU is in second lien position, and home is not listed for sale. Minimal fees incurred if GSCU is in first lien position or title is held in a trust. An Early Termination Charge equal to the amount of Bona Fide Third-Party Costs paid by Granite State Credit Union on your behalf will be charged to you in the event you make a full prepayment of the principal balance and close your home equity loan with us before the third anniversary of the date your home equity loan was opened with us. After the third anniversary, the early termination charge will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $766,550.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily. The Minimum APR for the Variable Rate Equity Line is 3.00% with a Maximum APR of 18.00%. The APR on Variable Rate Lines are adjusted periodically after closing, which may result in an increase. A non-refundable maintenance fee of $45.00 will be charged each December the line is open. Prime Rate as published in the Wall Street Journal as of December 19, 2024 is 7.500%. | ||||
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| Rates As Low As | Annual Percentage Rate (APR)** | Maximum LTV | Estimated Monthly Payment/$1000 | |
|---|---|---|---|---|
| Fixed | 8.750% | 8.750% | 70% | $15.00 |
| Fixed | 8.750% | 8.750% | 80% | $15.00 |
| Fixed | 10.000% | 10.000% | 90% | $15.00 |
| Fixed | 11.000% | 11.000% | 100% | $15.00 |
| Variable | Prime - .25% | 7.250% | 80% | $15.00 |
| Variable | Prime + .50% | 8.000% | 90% | $15.00 |
| Variable | Prime + 2.50% | 10.000% | 100% | $15.00 |
| (9 Year Draw - 1 Year Repayment- may result in a balloon payment). *Annual Percentage Rate (APR) is based on a loan of $75,000 and a minimum credit score of 700 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. Closing costs in the range of $400 - $800 will be incurred on all Home Equity Plans. Hazard Insurance is required. No Closing Costs incurred on Equity Loan if a minimum of $75,000.00 established at closing and GSCU is in second lien position, and home is not listed for sale. Minimal fees incurred if GSCU is in first lien position or title is held in a trust. An Early Termination Charge equal to the amount of Bona Fide Third-Party Costs paid by Granite State Credit Union on your behalf will be charged to you in the event you make a full prepayment of the principal balance and close your home equity loan with us before the third anniversary of the date your home equity loan was opened with us. After the third anniversary, the early termination charge will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $766,550.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily. The Minimum APR for the Variable Rate Equity Line is 3.00% with a Maximum APR of 18.00%. The APR on Variable Rate Lines are adjusted periodically after closing, which may result in an increase. A non-refundable maintenance fee of $45.00 will be charged each December the line is open. Prime Rate as published in the Wall Street Journal as of December 19, 2024 is 7.500%. | ||||
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