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Rates

Proponent Rates

Rates are effective as of January 18, 2021.

Home Equity Fixed

PRODUCT
STANDARD RATE
5 Year Fixed 3.50%
10 Year Fixed 3.75%
15 Year Fixed 4.125%
20 Year Fixed 4.50%

Home Equity Line of Credit (HELOC)

PRODUCT
STANDARD RATE
MAX LOAN AMOUNT
LOAN-TO-VALUE (LTV)
HELOC 4.00%* $500,000 80%

All Rates Subject to Change Without Notice. The Annual Percentage Rate may vary from the above due to an individual’s credit worthiness and other factors. Information concerning specific criteria used is available at the credit union. Certain other restrictions may apply.

Standard Rate: All qualified members are eligible for our standard rates.

*APR = Annual Percentage Rate: The 1.99% annual percentage rate is an introductory fixed rate for the first 6 months from the loan open date for qualified home equity line of credit borrowers and are subject to credit approval and loan to value restrictions. Rates may vary depending on credit worthiness and value of your home. The 1.99% promotional rate applies only for new advances. Refinancing within 24 months of existing Proponent HELOC’s does not qualify for the promotional rate. Promotional Information: Your monthly payment during the promotional period will be calculated on the total loan balance at the fully indexed rate. After an advance, the loan will recalculate out to a 240 month repayment and interest will be calculated on the advanced balance at the promotional rate. At the end of the promotional period, the total loan balance will be subject to the prevailing rate as set forth in the original loan documents. Rate after 6 months from the open date will float with the Prime Rate, under the terms of our credit line agreement. The HELOC interest rate is based on the Prime Rate minus 0.50% with a floor of 4.00%. Rates are subject to change without notice. Restrictions may apply. Home Equity Line of Credit loans are available up to 95% Loan to Value on primary residences and up to 85% Loan to Value on condominiums.

The minimum loan amount is $7,500.00. State specific tax fees may apply at closing. Homeowner’s insurance is required; flood insurance is required where applicable.