Home Equity Loans/Lines of Credit

Home Equity Rates

Info and/or Terms		APR*
Home Equity Line of Credit** 4.0% Floor 5 Year draw period with repayment followed by a 10 year repayment period	as low as	Prime + 0.00%
10 Year Fixed Term, 75% Loan To Value (LTV) Minimum Loan Amount $10,000	as low as	5.50%
20 Year Fixed Term, 100% Loan To Value (LTV) Minimum Loan Amount $10,000	as low as	6.50%

*APR: Annual Percentage Rate. Home Equity Line of Credit: APR is calculated based on the highest Prime Rate published in the Wall Street Journal (the "Index") as of the more recent calendar date of January 1st or July 1st in the current calendar year, plus a margin of 0.00% to 1.50%. 75% loan to value maximum, minimum line amount of $10,000. To determine the periodic rate that will apply to the plan, we will subtract a margin of 0.000% from the value of the index. The APR will never increase by more than 2% during a physical year, and your APR will never go below 4.00% during the remaining term of the plan. All loans are subject to credit approval. Rate, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify. Loan-to-value restrictions apply. Listed rates are terms are accurate as of July 1st, 2019 and are subject to change without notice. Membership Required.*Home Equity Loans: All loans are subject to credit approval. Rate, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications, and collateral conditions. Not all applicants will qualify. Loan-to-value restrictions apply. Membership Required.

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