Home Loan Rates La Crosse

Mortgage rates or home loan rates in La Crosse are the interest charged by lenders when you get a mortgage loan . Home loan rates in La Crosse can either be fixed or variable. 

With fixed home loan rates in La Crosse, the interest will remain the same for the loan’s entire term. However, with variable home loan rates in La Crosse, the interest may vary depending on the market interest rates.

Home loan rates in La Crosse also differ from one lender to another. Banks and brokers may offer good home loan rates in La Crosse. However, you may get lower home loan rates in La Crosse from credit unions like Governmental Employees Credit Union. 

How You Can Get Competitive Home Loan Rates in La Crosse

Before applying for mortgage loans, you should know how to get competitive home loan rates in La Crosse. Here are the things you should do to get lower home loan rates in La Crosse:

• Choose the Right Type of Mortgage to Get Competitive Home Loan Rates in La Crosse

For you to get the right home loan rates in La Crosse, you should consider how long you’ll stay in your home. If you think you’ve found your long-term home, opt for a 15-year fixed-rate mortgage. You may be able to pay off your loan sooner, as you do not have to worry about any increase in your home loan rates in La Crosse. 

If you would only stay in your home for a shorter period of time, an adjustable-rate mortgage (ARM) may be a better option. The ARM’s home loan rates in La Crosse are low and fixed for the first several years and then adjust to the current market rate afterwards. 

• Improve Your Credit Score to Get Competitive Home Loan Rates in La Crosse

Lenders look at your credit score to determine if you are financially responsible. If you have a good credit score, you may have a higher chance of getting lower home loan rates in La Crosse. However, you may still get low home loan rates in La Crosse from credit unions even if you have a bad credit score.

• Save Up for Your Down Payment to Get Lower Home Loan Rates in La Crosse

Before applying for a mortgage, it would be wiser to save up for the down payment. Some experts would suggest that you save up at least 20 percent of the total value of your home. This way, you would have a higher chance of getting low home loan rates in La Crosse. This is because you may no longer have to pay for private mortgage insurance. 

• Get Your Mortgage Loan From a Credit Union to Get Lower Home Loan Rates in La Crosse

As compared to other lenders, credit unions tend to offer low home loan rates in La Crosse. This is because they are non-profit organizations owned by their account holders. They choose to reinvest their funds back to their consumer programs in the form of lower interest rates. In addition, credit unions are exempt from state and local taxes.

If you are planning to get a mortgage with a competitive interest rate, it may be better to apply for it from a credit union, such as Governmental Employees Credit Union. Aside from low rates, our friendly and attentive lenders can process your application in a short period of time. Expect that we will inform you of our decisions right away. 

Get Competitive Home Loan Rates in La Crosse From Governmental Employees Credit Union

If you are looking for mortgage loans with competitive home loan rates in La Crosse, turn to Governmental Employees Credit Union. The home loan rates in La Crosse that we offer are lower compared to the rates of other lenders. Apply for a mortgage now and get low home loan rates in La Crosse. For more information about our home loan rates in La Crosse, contact us!

Making Everyone Count Since 1931

Credit unions are known as a great alternative to banks. These institutions offer accounts with lower fees and loan rates. They’re also owned by their customers, that’s why they offer better deals. If you want the idea of a customer-owned financial institution, joining a credit union might be the right choice for you.

Many credit unions offer a lot of benefits. However, not all of them are able to provide their customers with a great experience. If you want to make sure that you get great deals and satisfying customer service, join Governmental Employees Credit Union (G.E.C.U.). We offer great financial services while making sure that our customers feel valued. 

Open an Account With Us

Like any other bank, we also give our clients the privilege to open a bank account for their funds. Whether it’s a checking or savings account, G.E.C.U. makes sure to provide you the one that’s perfectly tailored to your lifestyle and needs. 

• Checking Accounts

At G.E.C.U., we don’t just provide great checking accounts. We also give you a lot of rewards with Kasasa Cash! You can choose between three options. 

The first option we have is the free Kasasa Cash Checking account with a high-interest reward. The second is a free Kasasa Cash Back Checking account with 2.25% cashback on purchases using your debit card. The third is the Free Kasasa Tunes Checking account, which gives you digital credits for apps and music purchases. Whichever you choose can be opened in minutes, too. Hassle-free, right? 

• Savings Accounts

Here, we offer you a lot of savings account options for you as well. 

• Basic Savings Account

This marks your membership with us. You’re only required to deposit a minimum of $5 to open your account.

• Elite Money Market Account

When you choose this account, the higher your balance is, the higher the interest rate you’ll get. You won’t get any maintenance fee if your balance is amounting to or more than $2,500.

• Health Savings Account (HSA)

With this account, you can prepare for medical expenses you might have in the future. You can also enjoy triple tax saving where you’ll have tax-free withdrawals for any medical expenses and earnings. 

• Certificates of Deposit (CDs)

Having trouble with saving money? This option is for you, then. Fixed-rate earnings for your term of choice. 

• Christmas Club

This type of savings account is created especially for your holiday funds. It also helps keep you away from having debts during the holidays.

• Individual Retirement Accounts (IRAs)

In this type of savings account, you’ll be able to secure your retirement and earn revenues at a higher rate.

Apply for a Visa Credit Card

At G.E.C.U., we help you expand your purchasing power by providing a globally-accepted credit card. We have competitive rates, low annual percentage rate (APR), and there are no annual fees! Apply with us now.

Pursue Your Dreams With Us

Everyone has the right to education. That’s why here in G.E.C.U., we offer a $500 scholarship to our members. The qualifications are simple; you just have to be a member and you must be already accepted or attending your school of choice.

Other than the two eligibility requirements, you should also submit three documents: your accomplished application form, a scholarship essay, and an autobiography that contains your school activities, awards, employment, and community service records. Apply now.

Secure Your Future With the Friendly Credit Union

Since 1931, we have been making every customer feel that they’re a part of the company; each of them is the partial owner of G.E.C.U. We assure you that we will continue making our customers feel that way. 

Our friendly and accommodating staff will strive to personally know you by name. As La Crosse’s friendly credit union, we enjoy doing business with our clients in the friendliest way that we can. If you want to be a part of the family and experience our customer service, talk to us now.