Loan Rates

Real Estate Loan Rates

Rates are accurate as of 4/22/2024 and subject to change. Rate may vary based upon credit qualifications. Rates shown below are based on a credit score of 750+ with no discounts applied. Members may qualify for some of our loan discounts to secure an even lower rate.

Down PaymentLoan TypeRateAPR*
20%Conforming 30-Year Fixed6.500%6.737%
20%Conforming 20-Year Fixed6.375%6.685%
20%Conforming 15-Year Fixed5.875%6.254%
5% or moreLimited Down, No PMI6.875%7.085%
3%First-Time Homebuyer, No PMI7.000%7.208%
0%100% Educator Mortgage, No PMI7.100%7.305%
0%103% Educator Mortgage, No PMI7.250%7.452%

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  • 1Prices are subject to change daily with market conditions. Rate provided above is the rate closest to par based on a sales price of $200,000, owner occupied, single family dwelling, standard origination fee, and a FICO score of 680+. Your rate and term depends on your unique credit rating, combined loan-to-value, amount financed and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Other conditions apply. Membership eligibility is required. Rates and terms are subject to change without prior notice; other restrictions may apply. Contact GCEFCU for additional information and loan criteria. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For additional terms and programs call 281.487.9333.