Introductory HELOC special

APR = Annual Percentage Rate. 6-month introductory rate of 2.99% APR (includes relationship discounts of 0.25% discount with automatic pay from Numerica checking and 0.25% discount with another Numerica loan or Visa). The current APR is as low as 7.00%-12.5%, effective March 1, 2026. Offer good on applications submitted between March 1 and May 31, 2026, subject to change. To be eligible for the introductory rate, member must have or open a Numerica personal checking account. Combined loan-to-value ratio up to 90% on primary residence on qualifying credit. Promo may be available for refinanced Numerica HELOCs if the following are true: 1. Must be greater than 12 months post origination of existing Numerica HELOC, and 2. New limit must be a minimum of $35,000 over the existing limit.  May not be available on properties outside WA or ID or on residences beyond a 50-mile radius of a Numerica branch. All fees/costs, except full appraisal if required, are typically paid by Numerica if the loan amount is less than $250,000. Fees/costs to open a HELOC generally range between $500 to $1,500. HELOCs are subject to a recovery of typical fees/costs incurred during the application process if closed within two years of origination. Upon closure of a HELOC, members may be responsible for reconveyance fees to release the lien from the title. Full appraisal is required for loan amounts exceeding $250,000, manufactured homes, or underwriter discretion. Rate will increase after 6-month introductory period depending on credit score and prime rate and may change quarterly thereafter. APR is variable and based on the Wall Street Journal Prime Rate. It can adjust quarterly but will never exceed 18.00% APR or go below 2.99% APR. As of March 1, 2026, the prime rate is 6.75% and is subject to change. The APR is a combination of the prime rate plus a margin, which is determined at application and based on several factors, including creditworthiness. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.