Get a Home Equity Line of Credit with a variable rate of only 4.25% APR3
 
  No Application Fees1 - it won't cost you anything to apply
  No Closing Costs1 - you won't pay appraisal fees, document fees or any fees
  No Annual Fees - you pay nothing to keep your line of credit open
  Potential Tax Benefits4 - the interest you pay may be up to 100% tax deductible
  Great Rates - this means you could get a variable rate currently below prime
 
      Apply now and you'll also get to take advantage of our low 6 month introductory fixed rate offer which is currently
      3.99% APR2
 
 
 
 
 
HOME REMODEL DEBT CONSOLIDATION DREAM BACKYARD COLLEGE TUITION SWIMMING POOL

Important Information

  1. The no closing cost offer is subject to approval and the presentment of a perfected lien on your home, which must be a single-family owner occupied residence constructed on a permanent foundation. Property insurance is required, including flood insurance where applicable, regardless of loan amount. Offer limited to loans and lines of credit for purposes other than home purchase. Certain restrictions may apply for loans with a Loan-To-Value greater than 80%.

  2. This is a fixed introductory rate, which becomes variable once the introductory period expires. The APR of Prime minus 1.26% is available for the first six months the line is open and is available on lines of credit with a Loan-To-Value of 80% or less. After the introductory period, the APR may change based on the Prime Rate plus a margin. The rate is subject to change prior to application and will be fixed for 6 months once application is received.

  3. The Annual Percentage Rate (APR) is tied to The Wall Street Journal Prime Rate and will be based on the Loan-To-Value, line amount and borrower credit history. The margin is determined by the outstanding balance on the line of credit.
    Margins:
    $10,000 - $25,000 = Prime + 0.25%
    $25,001 - $50,000 = Prime + 0.00%
    $50,001 - $75,000 = Prime – 0.25%
    Greater than $75,000 Prime – 0.50%

    As of 05/15/2008 the Home Equity Line of Credit variable rate was 4.25%. The maximum APR that can apply is 18%. APR is effective as of 05/15/2008 and is subject to change prior to application based on market conditions.

  4. Consult your tax advisor regarding deductibility of interest and other potential tax benefits.
 
Member FDIC/Equal Housing Lender