| Home Equity Loans |
| Effective Date: Sunday, January 19th, 2020 |
| Loan Type/Details | Annual Percentage Rate (APR) |
| 5 Year Fixed |
as low as 3.90% APR |
| 7 Year Fixed |
as low as 4.37% APR |
| 10 Year Fixed |
as low as 4.90% APR |
| 15 Year Fixed |
as low as 6.125% APR |
| Home Equity Advantage VISA Gold - Variable Rate |
| Effective Date: Sunday, January 19th, 2020 |
| Loan Details | Annual Percentage Rate (APR) |
| PRIME + 0% |
4.75% APR Variable |
| Changes quarterly on the 1st of Feb, May, Aug, and Nov.. Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. |
| Home Equity Line of Credit (HELOC) - Variable Rate |
| Effective Date: Sunday, January 19th, 2020 |
| Loan Type | Annual Percentage Rate (APR) |
| PRIME + 0% |
4.75% APR Variable |
| Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Changes on the 1st of each month. Payments based on $1.75 per $100.00 borrowed at the time of each advance. |
| Home Equity Preferred Line of Credit - Variable Rate |
| Effective Date: Sunday, January 19th, 2020 |
| Details | Annual Percentage Rate (APR) |
| PRIME + 0% |
4.75% APR Variable |
| Based on Prime Rate with a floor of 3.00% and ceiling of 15.00%. Changes on the 1st of each month. Payments based on a 60 to 240 month tier, determined by the line of credit amount and outstanding balance at the time of each advance. |
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