Home
CheckingSavingsMoney MarketTerm SavingsFor YOUthHoliday ClubIRAs
AutoPersonal Line of CreditPersonal SignatureBill ConsolidationRecreational VehiclesSavings SecuredStudent LoanServicemember Civil Relief Act
Auto and HomeAuto and Home (Copy)Loan ProtectionDental and VisionAD&DGAPMBPMyInsuranceInfo
NGFCU Wealth Management
Loan RatesSavings Rates
Join NowOnline BankingDirect Deposit & Early PaydayZelle®ATM and Debit CardOverdraft ProtectionAutomatic Funds TransferWire TransferCredit & Debit Card AlertsNCUA Insurance (NCUSIF)Auto Buying ServicesCall 24Need HelpMobile BankingLiving Trusts and Estate PlanningRefer a Friend

Home Loans

Home > Rates > Loan Rates > Home Loans
Home > Rates > Loan Rates > Home Loans

Home Loan Rates

APR: Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS  774623.

First Mortgages

Get Quote!

Home Equity Line of Credit (HELOC)
NameAPRNote
HELOC Variable APR* as low as 8.50% Depending on the option chosen, each time an advance is taken the payment towards principal and interest (NGFCU does not offer an interest-only repayment option.) may be either amortized over 180 months or to the maturity of the HELOC.
HELOC Fixed APR as low as 9.50% May elect the Fixed Rate on up to 60% of the approved HELOC limit. Minimum draw $10,000 per disbursement and up to 3 separate disbursements (no add-ons). Fixed rate cannot exceed maturity of the HELOC

*Interest rate is variable and may change after loan funding.

Home Equity Loan
Effective Date: Thursday, October 3rd, 2024
NameLoan RateLoan APRExample Loan AmountMonthly Payment ExampleDiscount Points
15 yr. Fixed 8.740% 8.740% $50,000 $499 0
15 yr. Fixed 8.740% 8.740% $100,000 $999 0
15 yr. Fixed 8.740% 8.740% $250,000 $2,497 0
20 yr. Fixed 8.865% 8.865% $50,000 $446 0
20 yr. Fixed 8.865% 8.865% $100,000 $891 0
20 yr. Fixed 8.865% 8.865% $250,000 $2,228 0

Pricing based on a 740+ FICO score and up to 60% Loan-to-Value (LTV) ratio.


 

Rate quote request!

*Required.

Use our Loan calculator to sort through monthly payments, fees and other costs while comparing loan options.

Loan Calculator

Woman holding paint cans

Ready to apply? It’s easy.

Just submit our secure Online Loan Application to set up a HELOC.

Apply Now

Important Numbers

Member Services: 800.633.2848 (available 24/7)

Credit & Debit Card Member Services: 800.633.2848 ext 4856 (available 24/7)

Credit Card Lost or Stolen: 866.839.3485
For International Calls: 727.570.4881

Debit Card Lost or Stolen: 800.754.4128
For International Calls: 727.227.9012

Credit Card Activation: 800.456.6870

Debit Card Activation: 855.485.7043

Members traveling or who reside outside of the US: 727.227.2447

Routing #322276088