Loan Rates

APR* = Annual Percentage Rate. Rates are effective as of today, may change at any time, and are subject to qualification and creditworthiness. APR stated assumes $200,000 loan with 40% down payment and a minimum qualified credit score. APR will increase with less money down and Private Mortgage Insurance (PMI) insurance costs added and increased (Loan to Value) LTV. Maximum LTV is 97% on purchases and 95% on refinances. Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application.

*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. Loan application and rate is good for 30 days from application date. Guardian Credit Union has the right to change rates at any time, at their discretion. **Rates valid on new and used auto purchases and/or refinances to Guardian Credit Union currently held at another lender or finance company. Refinances of existing Guardian Credit Union loans, add 0.50% to listed rate.

*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. A minimum credit score must be met to qualify for 90 Day No Pay option. Loan application and rate is good for 30 days from application date. Guardian Credit Union has the right to change rates at any time, at their discretion. Recreational Loan: RV’s, Boats, ATV’s and Personal Watercraft.

APR=Annual Percentage Rate. HELOCs are available to owner occupied primary residence and non-income properties. It must not be listed for sale. Minimum credit score of 650 and LTV (Loan to Value) of 90% or less based on the EFMV of current property tax bill. Rates are determined by base rate, credit score and LTV. All HELOCs are subject to credit and other qualifications. Line of credit rate is variable and may change monthly. Base rate is Prime Rate as published in the Wall Street Journal, with a floor of 4.00% APR and ceiling of 18% APR. Other rates apply for LTV exceeding 80% and credit scores lower than 705. Term is 20 years, with 10 years being “draw” period followed by the “repayment” period. Minimum payment is 1.50% of the principal balance or $100.00, whichever is greater, during full term of loan. An appraisal may be required if LTV exceeds 80% and will be at the expense of the borrower. A new appraisal must be ordered and approved by GCU to use for loan. If existing outside appraisal is received, it will be reviewed for qualifications and not guaranteed to be accepted. Homeowners insurance required. Flood insurance required, if applicable. No application processing or closing costs with exception of title adjustments and/or appraisal, if required. If title adjustments are required, this will be at the expense of the borrower. If refinancing an existing Home Equity with Guardian within 24 months, a minimum of $10,000 must be added to limit or a fee of $250 may be assessed. All rates and loans are subject to change without notice.

*APR = Annual Percentage Rate. The APR is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. The margin for the GCU VISA Platinum cards are based on certain creditworthiness and qualification criteria.