Home Loan Rates
APR: Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. NMLS 774623.
First Mortgages
Home Equity Line of Credit (HELOC)
| Name | APR | Note |
|---|---|---|
| HELOC Variable APR* as low as | 7.50% | 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.De |
| HELOC Fixed APR as low as | 8.50% | 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, June 10th, 2025
| Name | Loan Rate | Loan APR | Example Loan Amount | Monthly Payment Example | Discount 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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