CO-OP Shared Branch


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Grossmont Schools Federal Credit Union
Effective April 1, 2014

1st Mortgage Loans

Please Visit Members Loan Services for current 1st Mortgage rates.


Home Equity Credit Line Accounts

Index: Prime Rate = 3.25%


Add margin to the Index for fully indexed rate without the Introductory Discount.

Annual
Percentage Rate (APR)***
Margin
Maximum
Limit



Equity Credit Line
3.95%*
.50%
$200,000
 
Equity Plus Credit Line
5.50%**
1.50%
$200,000
 

Investor Equity Credit Line

  6.50%***
2.50%
$ 50,000
* Includes discount rate of .55% for first 6 months. Fully indexed rate currently 4.50%  (floor rate)
** There is no introductory discount rate on the Equity Plus Credit Line or the Investor Equity Credit Union.
 

Second Trust Deeds                *As low as
Maximum Loan to Value (LTV)
Annual
Percentage Rate (APR)***
 
80% Loan-to-Value 3.75%  60 months (5 years)
  4.00%  84 months (7 years)
  4.75% 120 months (10 years)
  5.00% 144 months (12 years)
  5.50% 180 months (15 years)
       
90% Loan-to-Value 5.00%  60 months (5 years)
  5.50%  84 months (7 years)
  6.25% 120 months (10 years)
  6.50% 144 months (12 years)
  7.00% 180 months (15 years)

 

*All Rates and Maximum Advances are subject to adjustment based on Credit Score.

***APR = Annual Percentage Rate.

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