Initial Annual Percentage Rate | April 1 – October 31, 2013
Take advantage of the special rate for any project, trip or occasion!
Current Annual Percentage Rate | As of October 1, 2013
- Use the special rate for 4 months
- Flexible and easy to use
- Enjoy great control and access
- Quick responses and local service
- Access money with Visa Gold card, cash advance, online transfer, or check
- No hidden requirements
- No closing costs
*Annual Percentage Rate (APR) will be fixed at 1.99% until October 31, 2013 on all new home equity line of credit accounts. The initial discounted APR will remain in effect for 120 days from the date of the agreement. Balances transferred from existing loans are excluded. The APR is based on an Index. The Index is the Prime Rate as reported in the Wall Street Journal. To determine the Periodic Rate we add a margin to the value of the Index. The margin is based on your home’s loan-to-value ratio. This rate is a variable rate subject to change daily after initial APR. The maximum APR will not exceed 25%. The $50 annual fee will be waived for the first year. There will be a $500 prepayment penalty for accounts open less than 48 months. No closing costs. Terms and conditions of this offer are subject to change without notice. Amount of interest on the principal in excess of the fair market value of the home is not tax deductible. Consult a tax advisor regarding the deductibility of interest. Insurance on the property securing the loan is required, along with a mortgage on the property. The APR does not include any costs except interest. Subject to credit approval.