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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

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Home Equity Line of Credit (HELOC)
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: Tuesday, July 23rd, 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.


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Important Numbers

Member Services: 800.633.2848 (available 24/7)

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Routing #322276088