Home Equity Line of Credit*
Effective Date - Wednesday, November 13, 2019

Program APR
Home Equity Line of Credit with Intro* Intro Rate: 1.990%, Current Rate: 4.750%
Home Equity Line of Credit 4.750%

HELOC-The Annual Percentage Rate (APR) is equal to the Prime Rate as published in the Wall Street Journal with a floor of 4.00%. HELOC with Intro APR of 1.99% is fixed for 12 months.  Thereafter, the APR becomes a monthly variable rate equal to Prime Rate as published in the Wall Street Journal with a floor of 4.00%.  Maximum line is $250,000. For all HELOC products, the APR will never exceed 18%.  119 months draw/ 181 months repayment. Minimum line is $10,000.  This offer is subject to change without notice and is available for new lines.  

All HELOC applications will be subject to credit acceptance and property approval.  Closing costs may range from $240.00 to $775.00 and are lender paid.  Conditions may apply.  However, if you should pay off and terminate the line prior to the third anniversary of the agreement date, you will reimburse the lender for the closing costs that were paid by the bank on your behalf.  If you request an independent appraisal, you will be responsible for the cost which is estimated between $350.00 and $550.00. Offers are available for owner-occupied 1-4 family properties only. 

*HELOC with Intro APR of 1.99% available for primary residence 1-4 family properties only. 

Homeowner's insurance and flood insurance (if applicable) required.  Consult your tax advisor regarding interest deductibility.

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Home Equity Loan*
Effective Date - Wednesday, November 13, 2019

Program Terms APR Monthly Payments
per $1000 borrowed
Fixed Rate Equity Loan 5 years 5.173% $18.88
7 years 5.129% $14.14
10 years 5.510% $10.81
15 years 5.483% $8.13
20 years 5.470% $6.83

*Annual Percentage Rate (APR) subject to change without notice. Offer available for owner-occupied 1-4 family residences only. Homeowners insurance on the property securing the loan is required.  A cancellation fee may apply for loans terminated within three years of origination date.  Other restrictions may apply. Your payment does not include taxes and insurance.

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