*Member One standard closing costs waived with the exception of: any attorney fees; if no appraisal is required, borrower pays fixed costs of $130.00 for title insurance and $14 for flood insurance; recording fees based on the amount of the loan—for example, $269.33 on a loan of $25,000 and $352.67 on a loan of $50,000; if an appraisal is required, borrower pays an additional $510. If loan is paid off within two years of closing, the member must reimburse the closing fees (ranging from $280-$1,500).
**All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Approval subject to loan and property value, creditworthiness, and underwriting. Not all applicants will qualify for the lowest rate. Home equity lines of credit: as of 1/8/18, the current APR is 2.74% and effective for 1 yr. following consummation; thereafter, the APR will adjust quarterly based on the index plus up to 3.74%. The index is the highest prime rate published in the Money Rates column of the Wall Street Journal. The minimum APR that may apply is 3.5%. The maximum APR that may apply is 15.00%. Home equity loans: as of 1/8/18, the current APR is 4.49% and fixed for 5 yrs. OR 4.74% and fixed for 10 yrs. on owner-occupied single family detached primary residences only with a loan to property value of up to 80%. At current APR for 5 yrs. based on $100,000 borrowed, estimated monthly payment is $1868 OR 10 yrs. based on $100,000 borrowed, estimated monthly payment is $1,051. Origination and other fees, and loan amount may affect the APR.
***2.74% is the 12 month intro rate for a HELOC over $100,000, then becomes adjustable based on prime rate plus a margin up to 1.24% with a minimum of 3.5% and maximum of 15%.