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HELOCK - up to 80% Loan to Value

Rates effective July 1, 2017

Term APR2 (as low as) VPR4 (as low as) Monthly Payment3 Loan to Value
12-Month Introductory Rate1 1.99%   Minimum $100 or 1.25% of the principal balance as of the time
of the draw, whichever is greater
up to 80%
Variable, Revolving 3.99% Prime -0.50% Minimum $50 or 1.25% of the principal balance as of the time
of the draw, whichever is greater
up to 80%
Fixed, up to 36 Months 4.00%   $29.53 up to 80%
Fixed, up to 72 Months 4.50%   $15.88 up to 80%
Fixed, up to 120 Months 4.75%   $10.49 up to 80%
  Apply Now

*Rates subject to change with out notice.

1After the twelve-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of March 16, 2017 the variable rate would be 3.99% APR (floor). The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/16/2017 is 4.0%. Interest only HELOCKs have higher rates. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2016. Existing Home Equity Lines of Credit are not eligible for the introductory rate.

2APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.

3Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.

4VPR 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.

 

HELOCK - up to 90% Loan to Value

Rates effective July1, 2017

Term APR2 (as low as) VPR4 (as low as) Monthly Payment3 Loan to Value
12-Month Introductory Rate1 1.99%   Minimum $100 or 1.25% of the principal balance as of the time
of the draw, whichever is greater
up to 90%
Variable, Revolving 4.25% Prime Minimum $100 or 1.25% of the principal balance as of the time
of the draw, whichever is greater
up to 90%
Fixed, up to 36 Months 4.50%   $29.75 up to 90%
Fixed, up to 72 Months 5.00%   $16.11 up to 90%
Fixed, up to 120 Months 6.00%   $11.11 up to 90%

  Apply Now

*Rates subject to change with out notice.
1
After the twelve-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of March 16, 2017 the variable rate would be 3.99% APR (floor). The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/16/2017 is 4.0%. Interest only HELOCKs have higher rates. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2016. Existing Home Equity Lines of Credit are not eligible for the introductory rate.

2APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.

3Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.

4VPR 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.

 

HELOCK - up to 100% Loan to Value

Rates effective July 1, 2017

Term APR2 (as low as) VPR4 (as low as) Monthly Payment3 Loan to Value
12-Month Introductory Rate1 1.99%   Minimum $100 or 1.25% of the principal balance as of the time
of the draw, whichever is greater
up to 100%
Variable, Revolving 7.25% Prime +3.00% Minimum $100 or 1.25% of the principal balance as of the time
of the draw, whichever is greater
up to 100%
Fixed, up to 36 Months 9.00%   $31.81 up to 100%
Fixed, up to 72 Months 9.50%   $18.29 up to 100%
Fixed, up to 120 Months 11.50%   $14.07 up to 100%
  Apply Now

*Rates subject to change with out notice.
1After the twelve-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of March 16, 2017 the variable rate would be 3.99% APR (floor). The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/16/2017 is 4.0%. Interest only HELOCKs have higher rates. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2016. Existing Home Equity Lines of Credit are not eligible for the introductory rate.

2APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.

3Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.

4VPR 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.

 

HELOCK , Interest Only - up to 80% Loan to Value
Variable / Fixed

Rates effective July 1, 2017

Term APR2 (as low as) VPR4 (as low as) Monthly Payment3 Loan to Value
12-Month Introductory Rate1 1.99%   Monthly payment is the interest accured up to 80%
Variable, Revolving 4.75% Prime +0.50% Monthly payment is the interest accured up to 80%
Fixed, up to 36 Months 4.00%   $29.53 up to 80%
Fixed, up to 72 Months 4.75%   $16.00 up to 80%
Fixed, up to 120 Months 5.00%   $10.61 up to 80%
  Apply Now

*Rates subject to change with out notice.

1After the twelve-month introductory period the rate will revert to a variable rate or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of March 16, 2017 the variable rate would be 4.50% APR. The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/16/2017 is 4.0%. Borrowers with credit scores of 620 or above are eligible for the interest only option. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2016. Existing Home Equity Lines of Credit are not eligible for the introductory rate.

2APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.

3Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.

4VPR 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.
 

HELOCK , Interest Only - up to 90% Loan to Value
Variable / Fixed

Rates effective July 1, 2017

Term APR2 (as low as) VPR4 (as low as) Monthly Payment3 Loan to Value
12-Month Introductory Rate1 1.99%   Monthly payment is the interest accured up to 90%
Variable, Revolving 5.25% Prime +1.00% Monthly payment is the interest accured up to 90%
Fixed, up to 36 Months 4.75%   $29.87 up to 90%
Fixed, up to 72 Months 5.25%   $16.23 up to 90%
Fixed, up to 120 Months 7.00%   $11.62 up to 90%

Apply Now

*Rates subject to change with out notice.

1After the twelve-month introductory period the rate will revert to a variable rate or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of March 16, 2017 the variable rate would be 5.0% APR. The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/16/2017 is 4.0%. Borrowers with credit scores of 620 or above are eligible for the interest only option. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2016. Existing Home Equity Lines of Credit are not eligible for the introductory rate.

2APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.

3Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.

4VPR 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.