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 .50% discount based on services used

Terms

• Rates, terms and conditions are subject to change without notice.
• HELOC rate based on prime rate plus margin from .25% to 5.75%, with relationship discounts. Prime assessed quarterly.
• 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.
• HELOC has a repayment period up to 15 years with a 10-year draw period that is interest payments only
• Rates for investment property are 2% higher than the published rate for the HELOC and subject to all fees and costs
• No annual fee
• HELOC variable rate will not exceed 18% APR and will not be lower than 2.99% APR, rates may change quarterly

*Rates reflect a .25% relationship discount

• 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