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Home Equity

Put your home to work for you! Refinance. Travel. Consolidate debt. Pay for college. A Home Equity Loan isn't just for home improvements.


Refer A Loan

When you refer your friends and family for a consumer, mortgage or home equity loan, you both benefit! Learn more today!


Home Equity Loan
Take advantage of a closed-end equity loan with set monthly payments at fixed or variable rates for a term that fits your needs. Current rates

Home Equity Line of Credit
A convenient, revolving line of credit gives you quick and easy access to your funds when you need them. Current rates

No Closing Costs
Save even more! See if you qualify for our no closing costs program.*

Apply Online today.

If you prefer a printable application, simply complete and return one of the following:

We recommend you review, print and save the required disclosure from The Federal Reserve with your GSCU Equity Application.

NMLS# 477276

*No closing costs incurred if $40,000 minimum line or loan amount. Fees for title insurance, and additional title costs incurred if GSCU is in the first lien position or the existing first mortgage on the property is a home equity product where no lender title insurance exists; or if the title is held in a trust, fees for trust review and trustee certificate preparation will be incurred by member. Interim interest from the date of disbursement to the 1st of the following month will be charged at the time of closing and is not covered by the No Closing Cost program. In the event that you make a full Prepayment of the principal balance and close your Home Equity (in the case of a Line) with us before the third anniversary of the date your Home Equity product was opened with us, an Early Termination Fee equal to the amount of Bona Fide Third Party Costs paid by Granite State Credit Union on your behalf will be charged to you. After the third anniversary, the early termination fee will no longer apply. Fees for additional title work or documentation to correct title defects will be charged at the time of closing and are not covered by the No Closing Cost program. There may be instances, where the appraisal fee will be collected at the time the appraisal is ordered. When this happens, GSCU will reimburse you at the time the loan disburses if you meet the eligibility criteria set forth above. Offer subject to change at any time, please contact the Mortgage Department at 1-800-645-GSCU or e-mail us for current No Closing Cost criteria. To help protect your privacy, if you should need to send personal account information, such as your member number or Social Security Number, to the credit union we recommend using our Secure Message Center.
A fee of $45 is due annually for Home Equity Line of Credit.

Homeowners Insurance is required.

SavingsLet a GSCU special savings account help you realize your savings dreams this year – whatever you’re saving for!
Save Your Way
our storySome may know us as an established neighborhood credit union with friendly staff and competitive rates. But, to most of our members, we're so much more than that.
Our Story