*Introductory 5.99% Annual Percentage Rate (APR) effective as of 10/01/25, is fixed for twelve months from the date of closing. After that date, APR becomes a variable rate adjusted monthly based upon the Prime Rate, as most recently published in the Wall Street Journal, minus .51% for the life of the loan with a minimum rate of 3.00%. The maximum lifetime APR is 18%. As of 10/01/25 Prime Rate was 7.25% which would result in an APR of 6.74%. Terms are dependent upon amount financed. Rate shown above is for members with the best credit profile. Other rates are available based on your credit score and subject to change. 1-4 family owner-occupied properties Maximum CLTV 65%. Maximum CLTV on condo or townhouses is 60%. An appraisal is required which the applicant will pay the cost of $350 – $475. If you cancel the line of credit anytime within the first 36 months, you will be required to reimburse us for any closing costs we paid but no more than $500