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Rates

Proponent Rates

Rates are effective as of October 20, 2020.

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. Rates shown are based on a Fixed Rate Home Equity at 80% loan-to-value (LTV) for owner occupied single family residence. Rates are subject to change without notice. Rates are for qualified members and are subject to credit approval and Loan to Value restrictions. Rates vary depending on credit worthiness, term of loan and value of your home. Fixed Rate Home Equity loans are available up to 95% Loan to Value on 1-4 family primary residence; 85% Loan to Value on condominiums and 80% Loan to Value on second homes and investment properties.

*The 1.99% promotional rate applies only for new advances, loans with 95% or less loan to value, and for 6 months from the open date. Refinancing within 24 months of existing Proponent HELOC’s does not qualify for the promotional rate. Rate after 6 months from the open date will float with Prime, under the terms of our credit line agreement. 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. Rates are subject to change without notice. Restrictions may apply. Rates are for qualified members and are subject to credit approval and loan to value restrictions. Rates may vary depending on credit worthiness and value of your home. Unless otherwise stated all terms and conditions remain as set forth in your original loan documents. 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.

The minimum loan amount is $7,500.00 for Home Equity Fixed Rate and Line of Credit loans. State specific tax fees may apply at closing. Homeowner’s insurance is required; flood insurance is required where applicable.