HarmonyLoan™

Another Reason to Choose GCCU for Your Mortgage

With an online mortgage center and a variety of loan options, Guthrie Community Credit Union offers the flexibility and expert guidance you need to make the home loan process as seamless as possible.

It only takes one extra signature during closing to embed the HarmonyLoan™ feature in your mortgage.

Lowering your APR is easy. Just log in and adjust your rate with a single click.
Fixed-rate mortgage terms won’t be affected by the feature.
No credit check, paperwork, or other underwriting is needed.

A HarmonyLoan™feature can be embedded into all of Guthrie Community Credit Union’s mortgage offerings at the time of closing. This feature allows you to adjust the interest rate on your mortgage without refinancing or changing the terms of your fixed-rate mortgage.

Designed to provide peace of mind and greater financial security, the HarmonyLoan™feature can be used once every 120 days after you’ve had your fixed-rate mortgage or 15/15 adjustable rate mortgage (ARM) for 12 months.

Ready to get started? Get in touch below.

Choose a Mortgage with GCCU to Use the Feature

Interested in using the HarmonyLoan™feature? All of the fixed-rate mortgages available at GCCU are eligible for the HarmonyLoan™feature addition at the time of closing, including:

  • 15-Year
  • 20-Year
  • 30-Year

The 15/15 adjustable rate mortgage is also eligible.

Learn More About the HarmonyLoan™Feature

  • Loan must have no late payments within the last 12 months.
  • If used to lower your rate, the new rate must reduce the current rate by at least 0.25%.
  • The feature is available every 120 days for the entirety of a fixed-rate loan term.
  • Adjusting the interest rate of your fixed-rate mortgage will not affect any other terms of the loan.
  • Can be used every 120 days for the length of an ARM’s fixed-rate period.
  • Using the feature on your ARM will result in a new fixed period and a new interest rate.

For additional information or to get started, get in touch with Guthrie Community Credit Union.