Rates
Deposit Rates
-
Primary Share
Minimum Balance
$1.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
-
Christmas Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
-
Health Savings Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Jump Start Savings $0 - $5,000*
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
2.000%
Annual Percentage Yield (APY)
2.00%
Subject to Change
Quarterly
-
Vacation Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 04/28/2025. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
*A Jump Start Savings account is for ages 0 to 17 only. The child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a Young Adult Savings account when the member reaches age 18. A Jump Start Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Dividends calculated daily, compounded/posted quarterly. Rates subject to change.
-
High Yield Checking ($0 - $15,000)
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
3.445%
Annual Percentage Yield (APY)
3.50%
Subject to Change
Monthly
-
High Yield Checking ($15,000.01 +)
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Monthly
-
Everyday Checking
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Monthly
APY is accurate as of 01/17/2025. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
View qualification requirements for High Yield Checking and Everyday Checking.
-
Choose Your Term Special Offer
6, 9, or 12 Months (ADR/APY)
3.928/4.00%3
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 01/17/2025. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
1. 13 Month Select Rate Share Certificate rate may change once after 6 months at member's request.
2. 19 Month Select Rate Share Certificate rate may change once after 9 months at member's request.
3. Minimum balance to receive advertised rate is $500. Rates accurate as of 01/17/2025. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
-
High Yield Money Market*
Minimum Balance
$25,000
Dividend Calculated
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
3.928%
Annual Percentage Yield (APY)
4.00%
Subject to Change
Daily
-
Money Market Plus $50,000-249,999
Minimum Balance
$50,000
Dividend Calculated
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
-
Money Market Plus $250,000+
Minimum Balance
$250,000
Dividend Calculated
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.996%
Annual Percentage Yield (APY)
1.00%
Subject to Change
Daily
-
Money Market $100,000+
Minimum Balance
$100,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.300%
Annual Percentage Yield (APY)
0.30%
Subject to Change
Daily
-
Money Market $75,000-99,999
Minimum Balance
$75,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.250%
Annual Percentage Yield (APY)
0.25%
Subject to Change
Daily
-
Money Market $25,000-74,999
Minimum Balance
$25,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.200%
Annual Percentage Yield (APY)
0.20%
Subject to Change
Daily
-
Money Market $2,500-24,999
Minimum Balance
$2,500
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.150%
Annual Percentage Yield (APY)
0.15%
Subject to Change
Daily
APY is Annual Percentage Yield. Rates accurate as of 01/17/2025. Dividends calculated daily, compounded/posted monthly. Fees may reduce earnings. Federally insured by NCUA.
*High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. No dividends are paid for the dividend period if qualifiers are not met. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. The Annual Percentage Yield (APY), effective 01/17/2025, for High Yield Money Market is 4.00% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA.
-
Traditional
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Roth Club
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Education Club
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
APY is accurate as of 12/01/2024. Dividends calculated daily, compounded/posted quarterly. There is a penalty for early withdrawal.
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 12/01/2024. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 12/01/2024. Dividends calculated daily, compounded/posted monthly. ADR is Annual Dividend Rate. APY is Annual Percentage Yield. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
-
Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 12/01/2024. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
- 13 Month Select Rate Certificate rate may be changed once after 6 months at member's request.
Business Accounts
-
Primary Business Share
Minimum Balance
$1
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
-
Secondary Business Share
Minimum Balance
$0
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 04/12/2024. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
-
Basic Business Checking
Minimum Balance
$5
Annual Dividend Rate
N/A
Annual Percentage Yield (APY)
N/A
Subject to Change
N/A
-
Advantage Business Checking ($1,500-$4,999)
Minimum Balance
$1,500
Annual Dividend Rate
0.030%
Annual Percentage Yield (APY)
0.03%
Subject to Change
N/A
-
Advantage Business Checking ($5,000 and up)
Minimum Balance
$5,000
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
N/A
-
Premier Business Checking ($0-$4,999)
Minimum Balance
$0-4,999
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
N/A
-
Premier Business Checking ($5,000 and up)
Minimum Balance
$5,000
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
N/A
Annual Percentage Yield is APY. APY is accurate as of 04/12/2024. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
-
Business High Yield Money Market ($0-$49,999.99)*
Minimum Balance
$0
Subject to Change
Daily
-
Business High Yield Money Market ($50,000-$99,999.99)*
Minimum Balance
$50,000
Subject to Change
Daily
-
Business High Yield Money Market ($100,000-$249,999.99)*
Minimum Balance
$100,000
Subject to Change
Daily
-
Business High Yield Money Market ($250,000 and up)*
Minimum Balance
$250,000
Subject to Change
Daily
APY is accurate as of 04/12/2024. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
*The Annual Percentage Yields (APYs) for Business High Yield Money Market, effective 4/12/2024, are: 0.25% APY for balances of $0 to $49,999.99; 0.50% APY for balances of $50,000 to $99,999.99; 0.75% APY for balances of $100,000 to $249,999.99; 1.00% APY for $250,000 and over. Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance. Relationship rates are: 1.00% APY for balances of $0 to $49,999.99; 2.00% APY for balances of $50,000 to $99,999.99; 2.75% APY for balances of $100,000 to $249,999.99; 3.50% APY for $250,000 and over. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA.
-
$100,000+
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.250/0.25%
18 Months(ADR/APY)
3.203/3.25%
24 Months(ADR/APY)
2.716/2.75%
-
$50,000-99,999
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.200/0.20%
18 Months(ADR/APY)
3.203/3.25%
24 Months(ADR/APY)
2.716/2.75%
-
$10,000-49,999
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.150/0.15%
18 Months(ADR/APY)
3.203/3.25%
24 Months(ADR/APY)
2.716/2.75%
-
$500-9,999
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.100/0.10%
18 Months(ADR/APY)
3.203/3.25%
24 Months(ADR/APY)
2.716/2.75%
APY is accurate as of 04/12/2024. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Consumer Loans
-
Signature Loan (Unsecured)
APR*
as low as 12.49% Fixed
-
Ultra Loan (Unsecured)
APR*
as low as 13.99% Fixed
-
Access Line Of Credit (Unsecured)
APR*
as low as 15.24% Variable
-
Share Secured - Installment Loan
APR*
2.00% above share rate to nearest .25% Variable
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.
-
Auto Loan 2019-2026
Fixed APR*
as low as 6.49%
-
Auto Loan 2012-2018
Fixed APR*
as low as 7.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 7.74% APR, the monthly payment will be $404.37.
-
2019-2026
Fixed APR*
as low as 6.99%
-
2012-2018
Fixed APR*
as low as 7.99%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 7.99% APR, the monthly payment will be $406.81.
-
2019-2026
Fixed APR*
as low as 7.99%
-
2012-2018
Fixed APR*
as low as 8.99%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 8.99% APR, the monthly payment will be $416.65.
Credit Cards
-
Visa Signature Rewards
Credit Card Rates
Annual Percentage Rate1 for Purchases
15.74% to 18.00%
Earn Loyalty Rewards
Yes
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make Payments with Digital Banking
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
-
Visa Traditional
Credit Card Rates
Annual Percentage Rate1 for Purchases
13.24% to 18.00%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make Payments with Digital Banking
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
-
Visa Secured 2
Credit Card Rates
Annual Percentage Rate1 for Purchases
17.24%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make Payments with Digital Banking
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.
2 - A Visa Secured credit card is used to establish or re-build your credit history. This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where Visa is accepted.
Mortgage Home Loans
-
30-Year Fixed
Interest Rate
6.500%
Annual Percentage Rate (APR)
6.617%
Origination Fee
1.00%
-
15/15 30-Year Adjustable Rate Mortgage
Interest Rate
6.375%
Annual Percentage Rate (APR)
6.497%
Origination Fee
1.00%
-
5/5 30-Year Adjustable Rate Mortgage
Interest Rate
6.500%
Annual Percentage Rate (APR)
6.624%
Origination Fee
1.00%
-
15-Year Fixed
Interest Rate
5.750%
Annual Percentage Rate (APR)
5.945%
Origination Fee
1.00%
-
10-Year Fixed
Interest Rate
5.500%
Annual Percentage Rate (APR)
5.773%
Origination Fee
1.00%
-
USDA
Interest Rate
7.250%
Annual Percentage Rate (APR)
7.383%
Origination Fee
1.00%
Rates effective as of: 07/02/2025.
Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. For jumbo rates you may contact us directly at 800-482-1043.
Adjustable-Rate Mortgage 15/15
Adjustable-Rate Mortgage is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 4% at the adjustment period and cannot adjust more than 6% over the life of the loan.
- Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 6.375% interest and 6.497% APR will have a monthly payment of $1,263.74.
Adjustable-Rate Mortgage 5/5
Adjustable-Rate Mortgage is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan.
- Payment example: A 5/5 30-Year loan of $200,000 for 30 years at 6.500% interest and 6.624% APR will have a monthly payment of $1,280.49.
Home Equity Line of Credit
-
Variable, Revolving
APR1 (as low as)
7.25%
VPR2 (as low as)
Prime – 0.25%
Monthly Payment
Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of January 1, 2025, the prime rate was 7.50% and the lowest variable rate available was 7.25% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
-
Variable, Revolving
APR1 (as low as)
7.75%
VPR2 (as low as)
Prime + 0.25%
Monthly Payment
Monthly payment is the interest accrued.
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of January 1, 2025, the prime rate was 7.50% and the lowest variable rate available was 7.25% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
