Rates

*Rates reflect possible .50% discount based on services used. All loans subject to approval.

*Rates reflect possible .50% discount based on services used

*Rates reflect possible 0.50% discount based on services used

Terms

• HELOC has a 10-year draw period that is interest payments only. When an outstanding balance exists, there will be a minimum monthly payment of $75, unless that is greater than the total amount owed.
• Transfer balances at any time during draw period to a fixed-rate loan, with terms up to 15 years.
• Balance remaining at end of draw period is automatically converted to a 15-year variable-rate loan. During this repayment period, the balance may be converted to a fixed-rate loan, so long as the term doesn’t extend beyond the original maturity date of the loan.
• Rates, terms, and conditions are subject to change without notice.
• HELOC rate based on prime rate plus margin from 0.25% to 5.75%, with relationship discounts. Prime assessed quarterly.
• HELOC variable rate will not exceed 18.00% APR and will not be lower than 2.99% APR.
• Rates for investment property are 2.00% higher than the published rate for the HELOC and subject to all fees and costs.
• Closing costs typically limited to appraisal for HELOC.
• For loan amounts over $250,000 or internal refinances within one year, member is responsible for paying all closing costs, which typically include: appraisal, title, tax tracking, credit report, and flood fees. Other fees may apply, and terms are subject to change.
• No annual fee.

Fixed-rate terms

• You may convert all or a portion of your outstanding HELOC variable-rate balance to a fixed-rate option.
• The rate for a fixed-rate option varies from 8.75% to 13.75% APR based on credit worthiness.
• The minimum outstanding balance that can be converted from an existing HELOC into a fixed-rate option is $5,000.
• No more than 3 fixed-rate options can be open at one time.

• For cards opened after 7/16, the $29 annual fee may be waived with annual net purchases of at least $10,000.

• Repayment Period up to term of Certificate on certificate secured loan.
• Certificate secured up to available balance

• Rate based on prime rate plus margin from 4.5% to 13%
• Prime assessed quarterly
• Note: there are no relationship discounts on this product