Spring Home Equity Promotion

1. Promotional offer is valid for applications received between 03/14/2023 – 05/31/2023. The Annual Percentage Rate (APR) shown for Home Equity Lines of Credit is a fixed introductory offer valid for the first six consecutive billing cycles, and is not combinable with other offers. The introductory rate shown above is accurate as of 03/14/2023. Applications must be received no later than 05/31/2023.

2. The APR is variable and based on the highest Prime Rate published each day in The Wall Street Journal Rates Table (the “index”), plus a margin during the revolving and repayment period. The index plus a margin ranged from 8.00% to 13.33% as of 03/23/2023. In no event will the APR exceed the lesser of 18% or the maximum rate allowed by applicable law. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A processing fee of $180 is due at closing. A $50 annual fee applies after the first year of account opening. Maximum loan to value (LTV) may vary based on applicant(s) credit score. Rates and Terms are subject to change without notice. All loans are subject to credit approval.