APR* FOR 6 MONTHS

RATE WILL ADJUST TO A VARIABLE RATE

AFTER 6 MONTHS*

OR

APR* FOR 18 MONTHS

RATE WILL ADJUST TO A VARIABLE RATE

AFTER 18 MONTHS*

*APR=Annual Percentage Rate. HELOC promotional rate of 3.49% APR is fixed for the first 6 months and promotional rate of 5.49% APR is fixed for the first 18 months. After the promotional period, the rate will vary based on the Wall Street Journal Prime “Prime” rate plus a margin, if applicable. Rates shown are lowest offered for the loan products advertised and all extensions of credit are subject to credit approval. Actual rate may vary based on credit worthiness and down payment, if applicable. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. There are certain draw down, balance requirements, and loan-to-value restrictions which may apply. Minimum loan amount and new money requirement of $25,000 required to qualify for these rates and terms. Appraisals required for all LTVs. Full appraisals required for 80% LTV or higher. All appraisal costs are paid by the borrower and will be reimbursed when the loan is funded. All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer, debited from any account. HELOC’s closed out prior to their four-year anniversary date will be subject to the addition of all waived closing costs to the payoff balance. For variable-rate loans, the APR may increase after consummation. Subject to a 3.00% floor rate. The maximum APR that may be imposed is 25.00%. Other terms and conditions may apply. All rates and terms are subject to change without notice. Offer may be withdrawn at any time without notice.

 This HELOC loan offer begins March 01, 2023 and will not be available before such date.

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