Rates

*Rates reflect possible .5% discount based on services used

*Rates reflect possible .5% 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
• Closing costs typically limited to appraisal for HELOC
• 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

• 5 Years

Payment example: 60 monthly payments of $195.64 at 6.49% per $10,000 borrowed.

• 7 Years

Payment example: 84 monthly payments of $150.91 at 6.99% per $10,000 borrowed.

Terms

• Rates, terms and conditions are subject to change without notice.
• Closing costs typically range from $250 - $1,000. Rate applies to 1^st or 2^nd position Home Equity Loans.

Payment example: $200,000 purchase price, $160,000 loan amount, 15 year term, 80% LTV, 3.500% interest rate, 3.758% APR, $1,143.81 P&I, estimated insurance $60 and estimated tax $200.

Payment example: $200,000 purchase price, $160,000 loan amount, 30 year term, 80% LTV, 4.375% interest rate, 4.526% APR, $798.86 P&I, estimated insurance $60 and estimated tax $200.

*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.

*Rates reflect a .25% relationship discount

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

• Personal Line of Credit rate range: 9.75% - 17.90%
• Rate based on prime rate plus margin from 4.5% to 13%
• Note: there are no relationship discounts on this product