***Fees And Charges
To open and maintain a home equity line of credit or closed-end second mortgage, you must pay us a $50.00 Application Fee. You must also pay certain fees to third parties. These fees generally total from $200.00 to $600.00.

¹APR = Annual Percentage Rate. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the average 26 week T-Bill Rate as published in the Wall Street Journal. On June 29, 2022, the index average was 2.08%; resulting APR with a 2.42% margin is 4.50%. Changes in the index will cause changes in the Interest Rate on the first day of each calendar quarter of each year. Increases and decreases will result in like increases and decreases in the Finance Charge and may affect the amount of the final payment. Your Interest Rate cannot increase or decrease more than 2.00 percentage points each year. APR will never exceed 18.00% and will never be less than 4.50%. “As low as” rate assumes excellent borrower credit history. Alternative rates and terms are available. Actual rates and APRs dependent on credit history and type of product. This line of credit has a 5-year draw period. Minimum monthly payment will be principal, and interest and equal to 1.60% of the balance during the 5-year draw period. After the Draw Period ends, your payments will be fixed to the amount necessary to fully amortize Your outstanding balance no later than 120 months after the from the end of the Draw Period, subject to the lesser of $100.00 or Your account balance.

²Fixed Rate Option: Rates for the Fixed Rate Option are typically higher than HELOC variable rates. Minimum payment on a Fixed Rate Option includes principal and interest in fixed monthly payments.

*Property insurance required. Interest may be tax deductible. Consult your tax professional regarding deductibility. NMLS ID #967410