Disclosures
*The Annual Percentage Rates (APR) are effective as of October 22, 2025 and are subject to change. The offer, rates and terms described are for Home Equity Lines of Credit. Introductory rate offer requires a maximum loan to value of 90%. LTVs may vary from those listed for loan amounts of greater than $750,000. The introductory rate will apply for the first six (6) billing cycles after your HELOC is opened. After the introductory period expires, the APR on any existing balance will convert to the applicable non-discounted variable APR for the life of the loan. Your non-discounted variable APR may vary based on changes to the Prime Rate as listed in the Wall Street Journal, currently 7.25%. 7.00% APR – 8.50% APR are for line of credit amounts ranging from $25,000 – $2,500,000. Minimum APR of 3.00% after the introductory rate period. Maximum APR is 18%. Minimum line amount is $25,000. Offer subject to credit approval. Home Equity Line Credit can be drawn on for a 10-year period, during which a minimum monthly interest payment is required. If you pay only the amount of interest that is due, once the interest-only period ends, you will still owe the original amount that you borrowed, and your monthly payment will increase because you must pay back the principal as well as the interest—even if the interest rates remain the same. Fees to open these lines may range from $0 to $1,365 depending on the amount of the line and the state in which the property is located. A recapture fee of $375 will be imposed if your account is closed within 36 months of opening. Other fees may apply. Property insurance and flood insurance, if applicable, are required.
1 Annual Percentage Yield (APY) is effective as of October 22, 2025 on balances of $100,000 or greater and is subject to change. Other tiers and APYs that are subject to change at any time are as follows: $0.01 – $9,999.99 = 0.03%, $10,000 – $24,999.99 = 1.75%, $25,000 – $49,999.99 = 2.00%, $50,000 – $99,999.99 = 2.25% and $100,000+ = 3.25%. Fees assessed to accounts may reduce earnings. Personal Accounts only.
2 Annual Percentage Yield (APY). The interest rate and APY are effective as of October 22, 2025 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days’ interest. For a 6-month term, the penalty is 3 months’ interest. For a term from 7-12 months, the penalty is 6 months’ interest. For a term of 13 or more months, the penalty is 12 months’ interest. Fees could reduce earnings on the account. Additional restrictions may apply.