Home Equity Loans

Disclosures

Valid beginning 3/1/2023. Promotion, rates, and terms subject to change or end without notice. Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of March 1, 2023, the variable rate for Home Equity Lines of Credit ranged from 7.25% APR to 10.75% APR.  As of March 1. 2023, The Introductory Annual Percentage Rate (APR) for the first sixty (60) months from the date of agreement ranged from 7.00 % to 10.50%. After sixty (60) months, the APR is variable, adjusted quarterly, based on the Wall Street Journal Prime Rate less a margin of 0.50% up to a margin of plus 3.00%. Your introductory rate and margin will be determined upon credit worthiness and your available equity. The APR will never be less than 3.75% and will not exceed 18%. The dwelling must be owner occupied, secured by a primary single-family residence, and must be insured (including flood insurance, when required).