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Offer valid through 09/30/2026. The Introductory Rate will be fixed for 12 billing cycles from account opening and will be an ANNUAL PERCENTAGE RATE (APR) of 4.99%. Beginning with your 13th billing cycle, the APR for all transactions and balances will be based on your contracted rate which will be a variable rate based upon The Wall Street Journal prime rate which was 6.75% as of 12/11/2025, plus a margin of 0.25%, but will never be more than 18% or less than 3.25%. Terms and Conditions: Introductory Rate Program good for Rates Locked through 09/30/2026. Includes primary and secondary residences. Minimum Home Equity Credit Line is $15,000. Maximum Home Equity Credit Line is $150,000. Not all applicants will qualify for the introductory 4.99% APR. All borrowers must have: A median credit score of 680 or more; Up to 80% Combined Loan to Value. Back to content
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Origination Fee of $499 collected at closing. In certain cases a full appraisal will be required. The estimated cost for an appraisal is between $37-$800. This is not a commitment to lend or extend credit. Applicant subject to credit and underwriting approval. All rates, programs and fees are subject to underwriting guidelines and are subject to change without notice. Other restrictions may apply. See bank for details. Back to content
