Top Five Reasons to Get a Home Equity
Line of Credit

Put the Equity In Your Home to Work

Take Advantage of Low Rates – If you don't have a home equity line of credit, or are looking to refinance your line from another financial institution, take advantage of our low rate.

Free Home Valuation – Contact us to learn more about this free service.² We'll provide you with a property valuation report that includes comparable properties and other factors.

Flexibility – Lock your balance into a fixed-rate, fixed-term loan.³ Have access to five rate locks for the 15-year term of your loan.

Borrow up to 100% of Your Home's Value – Plus, receive affordable benefits like:

• No Closing Costs
• No Annual Fee
• No Early Pay-off Fee
• Tax Deductible Interest – See your tax advisor for more information.

Get a Home Equity Loan or Line for Any Purpose – Remodel your house, consolidate debt, pay for college expenses, take a dream vacation and more.

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* APR is annual percentage rate. Rates and fees are subject to change.

1 Line of credit—During the 15-year draw period, the minimum monthly payment for HELOC 80% and HELOC 90% will be the greater of (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle. The minimum monthly payment for HELOC 100% will be (a) $100 or (b) 1.5% of the outstanding balance, whichever is greater. However, if you exceed the maximum principal loan balance allowed under your agreement, you will also be required to pay an amount sufficient to reduce your principal loan balance to the maximum principal loan balance allowed under the agreement. Balances of less than $100.00 must be paid in full. Late payment fee: $10 or 5% of the unpaid amount due, whichever is less. Rate indexed to prime. APR is subject to change monthly but cannot exceed 18%. The rate will never fall below 4.49% for HELOC 80%, 4.99% for HELOC 90%, or 7.99% for HELOC 100%. No annual fees.

2 Offer subject to change. Property valuation is based off of the Automated Valuation Model (AVM) for residential property only. The AVM is a computer generated appraisal report.

3 You may exercise up to a total of 5 options during the draw period of your loan. Each option must be exercised for an advance/balance of at least $5,000. The first option fee is waived. A $25 fee applies for each time you exercise the option thereafter.