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Are you ready to Ride the Wave?

Ride the Wave banner showing a bucket and shovel on a sandy beach to the left of the words: Rates as low as 4.50% APR

Ride the Wave

Did you know that 2016 was the best year for the US housing market since the financial crisis? That means it's the perfect time to take advantage of your equity — the difference between the value of your home and how much you owe on your mortgage. Take out a home equity loan for ultimate renovations, dream vacations, college tuition, and more to Ride the Wave of rising values.

In addition to interest on equity loans being tax-deductible, Guardians offers:

  • Rates as low as 4.50% APR
  • Up to 80% the value of your home
  • No closing costs on loans more than $50,000
  • Borrow up to $250,000

Are you ready to Ride the Wave? Apply for a Home Equity Loan today!

*APR = As Low As Annual Percentage Rate through June 30, 2017.

Interest 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. Home Equity loans are available up to $250,000. Title insurance is required for loans in excess of $100,000.

Variable 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.

Product offers, terms and other information provided herin are subject to change without notice. Due to the occassional inaccessibility to our website which may be beyond our control. Guardians Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The results are not guaranteed to be accurate. Please contact the credit union at (561) 972-1307 for additional information and for complete disclosures. Guardians Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act.