APR = Annual Percentage Rate. After 12-month introductory period, the rate will be variable based on the Prime Rate. As of 5/1/2025, the Prime Rate is 7.5% The rate floor is 4.75% APR. Maximum APR during the life of the loan is 18% APR. $5,000 minimum initial draw required; additional draw requirements may apply. Loans subject to credit approval. Not all applicants will qualify for lowest rate. Equal Housing Lender. Minimum loan amount is $10,000.00. HELOCs are available in OH, WV, SC, NC, FL, TX, and PA and are limited to owner occupied properties. Applicant will be responsible for closing costs of $500; additional fees may apply, including appraisal and/or notary fees. Member eligibility required. Offer subject to change without notice.