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Home Equity Loan Rates

Home Equity Loan Rates

Home Equity Loans Rates
Loan TypeCLTV1APR2
These rates are current as of today.
Fixed Second Mortgage3,4up to 80%6.75%
Home Equity Line of Credit3,5up to 80%8.25%

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1CLTV = Combined Loan to Value.

2APR = As Low As Annual Percentage Rate.

3Interest rate based on the combined loan to value (CLTV). Financing available up to 80%. Certain credit restrictions may apply. No closing costs on Home Equity loans when you borrow $50,000 or more upon loan closing. Except the pre-paid interest on fixed home equity loan products. Home Equity loans are available up to $450,000. Title insurance is required for loans in excess of $100,000. Associated fees generally range from $490–$5,000.

4Payment Example for Fixed Second Mortgage: 180 payments of $8.85 per $1,000 borrowed based upon a 6.75% APR.

5Variable rate. Tied to the Wall Street Journal Prime Lending Rate plus a margin. If applicable, however, under no circumstances will the annual rate go below 4.00% for the term of the loan. The margin is determined by credit risk factors at time of closing. Adjusts quarterly. Maximum cap is 18% APR. Payment option is a percentage of the balance based on a 15 year amortization. Total loan term is 20 years, which is made up of a 5 year draw period and a loan amortization of 15 years. Payment Example for Home Equity Line of Credit: 240 payments of $8.52 per $1,000 borrowed based upon a 8.25% APR

All rates are based on an evaluation of the member's individual credit history. Your actual rate may vary. Product offers, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control. Guardians Credit Union cannot guarantee the completeness or accuracy of the information provided herein. To verify current offers and rates, please call (561) 686-4006. Guardians Credit Union is not responsible for typographical errors. Guardians Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act.