Here are loan programs we offer. These programs are unique to GCS CREDIT UNION and are quoted assuming a $100,000 loan amount. These rates may vary based on your individual situation. To learn more about these programs and many others, call us at (618)797-3633.
30yr Fix- 0 pt (Conforming) - please contact mortgage dept for rate quote
20yr Fix- 0 pt (Conforming) - 6.000% (APR 6..196%)
15yr Fix- 0 pt (Conforming) - 5.875% (APR 6.120%)
10yr Fix- 0 pt (Conforming) - 5.625% (APR 5.968%)
7yr Balloon (Conforming) - 5.500% (APR 5.781%)
7yr Fix HE (Conforming) - 6.250% (APR 6.277%)
10yr Fix HE (Conforming) - 6.750% (APR 6.770%)
15yr Fix HE (Conforming) - 7.000% (APR 7.014%)
HELOC (Conforming) - Contact department for rates and terms
HELIO (Conforming) - Contact department for rates and terms
Rates and APR (Annual Percentage Rate) are subject to change at any time. Rates and/or points may vary depending on your specific needs and circumstance(s) such as credit history and other factors. APR calculations are based on $100k loan amount and 0 points for the purchase of a single-family, primary residence, with a credit score of at least 700, loan to value of 80% (20% down payment). Estimated points and origination fees are not a substitute for a loan estimate. Your actual rate, payment, and costs could be higher. Get an official loan estimate before choosing a loan. All borrowers are subject to qualification and final underwriting approval.
Rates last updated on 05/09/2023