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*APR: Annual Percentage Rate. Rates effective January 1, 2018 through March 31, 2018. Rates listed above are available for Owner-Occupied, Single Family properties with a CLTV up to 80%. The introductory rates of 1.49% is for the initial twelve months, 2.49% is for the initial twenty-four months, or 3.49% is for the initial thirty-six months from the time the home equity line is opened.  Thereafter, the rates are adjusted quarterly to the prime rate as published in the Money Rates column of the Wall Street Journal plus a 1% margin. This plan is subject to a floor rate of 5.25% and 18% maximum with a 15 year draw and 30 year amortization period. There will be no closing costs and no points, however, if the line of credit is closed within two years, member will be required to repay all waived closing costs. Also, a $10,000 minimum initial draw is required and must remain outstanding for at least six months or the waived closing costs must be repaid.  If the title to the property is in Trust, members may be required to pay for a Trust Review Fee of $125 per Trust. Additional fees may apply for a first lien HELOC and for HELOCS of $250,000 or higher. Additional home equity line programs are available, please call for more information. Certain requirements and restrictions apply.