Home Equity Rates

Table data for Home Equity Loan Fixed Rate Programs
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR)* Maximum LTV Term Estimated Monthly Payment/$1000 Alert Me
4.750% 4.750% 80% 5 Years $18.76
6.900% 6.900% 90% 5 Years $19.75
7.900% 7.900% 100% 5 Years $20.23
5.125% 5.125% 80% 10 Years $10.67
7.490% 7.490% 90% 10 Years $11.86
8.490% 8.490% 100% 10 Years $12.39
5.750% 5.750% 80% 15 Years $8.30
7.650% 7.650% 90% 15 Years $9.36
8.650% 8.650% 100% 15 Years $9.94
6.125% 6.125% 80% 20 Years $7.23
*Annual Percentage Rate (APR) is based on a loan of $40,000 and a minimum credit score of 700 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. The APR on ARMs are adjusted periodically after closing, which may result in an increase. 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 $40,000.00 advanced 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 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 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 fee will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $453,100.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily.

Table data for Home Equity Loan Adjustable Rate Programs
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR)* Maximum LTV Term Information Estimated Monthly Payment/$1000 Alert Me
4.900% 4.900% 80% 10 Year - Base Margin 0% $10.56
5.900% 5.900% 90% 10 Year - Base Margin 1% $11.05
6.900% 6.900% 100% 10 Year - Base Margin 2% $11.56
4.900% 4.900% 80% 15 Year - Base Margin 0% $7.86
5.900% 5.900% 90% 15 Year - Base Margin 1% $8.39
6.900% 6.900% 100% 15 Year - Base Margin 2% $8.93
5.490% 5.490% 80% 20 Year - Base Margin .50% $6.87
6.490% 6.490% 90% 20 Year - Base Margin 1.50% $7.45
7.490% 7.490% 100% 20 Year - Base Margin 2.50% $8.05
*Annual Percentage Rate (APR) is based on a loan of $40,000 and a minimum credit score of 700 for all borrowers. Your rate, margin and APR may be higher. All loans are priced individually. The APR on ARMs are adjusted periodically after closing, which may result in an increase. 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 $40,000.00 advanced 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. Rate adjusts ever 3 years with a per change cap of 2% and a lifetime cap of 6% 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 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 fee will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $453,100.00. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily.

Table data for 15 Year Home Equity Line-of-Credit Rates
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR)* Maximum LTV Estimated Monthly Payment/$1000 Alert Me
Fixed 7.250% 7.250% 80% $11.74
Fixed 8.500% 8.500% 90% $12.40
Fixed 9.750% 9.750% 100% $13.08
Variable Prime -.25% 5.000% 80% $10.49
Variable Prime +.75% 6.000% 90% $10.98
Variable Prime +2.50% 7.750% 100% $11.87
(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. *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. 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 Lines if a minimum line of $40,000.00 is 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. A non-refundable maintenance fee of $45.00 will be charged each December the line is open. Prime Rate as published in the WSJ as of October 1, 2018 is 5.250%. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily. 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 in the event you make a full prepayment of the principal balance and close your home equity line of credit with us before the third anniversary of the date your home equity line of credit was opened with us. After the third anniversary, the early termination fee will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $453,100.00 Rates are subject to change daily.

Table data for 10 Year Home Equity Line-of-Credit Rates
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR)** Maximum LTV Estimated Monthly Payment/$1000 Alert Me
Fixed 6.900% 6.900% 70% $15.00
Fixed 7.250% 7.250% 80% $15.00
Fixed 8.500% 8.500% 90% $15.00
Fixed 9.500% 9.500% 100% $15.00
Variable Prime - .25% 5.000% 80% $15.00
Variable Prime + .50% 5.750% 90% $15.00
Variable Prime + 2.50% 7.750% 100% $15.00
(9 Year Draw - 1 Year Repayment- may result in a balloon payment). *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. 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 Lines if a minimum line of $40,000.00 is 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. A non-refundable maintenance fee of $45.00 will be charged each December the line is open. Prime Rate as published in the WSJ as of October 1, 2018 is 5.250%. Rates and amount financed are determined by your credit history and are based on excellent credit. Rates are subject to change daily. 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 in the event you make a full prepayment of the principal balance and close your home equity line of credit with us before the third anniversary of the date your home equity line of credit was opened with us. After the third anniversary, the early termination fee will no longer apply. Minimum Loan amount for all loan programs is $10,000 with a Maximum loan of $453,100.00 Rates are subject to change daily.

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