Home Equity & Home Improvement

These rates are effective November 1, 2019 7:00AM.

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Home Equity Fixed

Name	APR as low as*	Loyalty APR as low as°	Payment*
5 Year (60 mos.) Fixed Home Equity	3.85%	3.60%	$456
10 and Done Fixed Home Equity⫧	4.34%	4.09%	$254
10 Year (120 mos.) Fixed Home Equity	4.35%	4.10%	$254
15 Year (180 mos.) Fixed Home Equity	4.85%	4.60%	$192
20 Year (240 mos.) Fixed Home Equity	5.30%	5.05%	$166

Monthly payment example based on loan amount of $25,000.

Home Equity Line of Credit (HELOC)

Lines of credit have a 25-year term with a fixed rate for the first 5 or 10 years and a variable rate after.

Name	APR as low as*	Loyalty APR as low as°
5 Year (60 mos.) Fixed Home Equity (Line of Credit)	3.75%	3.50%
10 Year (120 mos.) Fixed Home Equity (Line of Credit)	4.25%	4.00%

Maximum APR is 21%. Add 2.0-2.5% to interest rate for loans with loan-to-value ratio over 80%. The required minimum payment of $50 or 1% of loan balance, whichever is greater, may not reduce principal. For a $25,000 Home Equity Line of Credit balance at 3.50% APR, the monthly payment will be $250.

Home Improvement Loans

Secured with your home

Finance up to 133% of your home's value, up to $250,000.

Name	APR as low as*	Loyalty APR as low as°	Payment*
5 Year (60 mos.)	6.35%	6.10%	$485
10 Year (120 mos.)	6.50%	6.25%	$281
15 Year (180 mos.)	6.55%	6.30%	$215

Unsecured

Level I ($2,000 - $10,000)	APR as low as*	Loyalty APR as low as°	Payment*
5 Year (60 mos.)	8.00%	7.75%	$504
10 Year (120 mos.)	8.50%	8.25%	$307

Level II ($10,001 - $25,000)	APR as low as*	Loyalty APR as low as°	Payment*
5 Year (60 mos.)	7.50%	7.25%	$498
10 Year (120 mos.)	8.00%	7.75%	$300
15 Year (180 mos.)	8.50%	8.25%	$243

Monthly payment example based on loan amount of $25,000.