*All loans subject to credit and property approval. The introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR) that can range from Prime + 0.5% (currently 7.50% APR) to Prime + 6.5% (currently 13.50% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time. Information accurate as of 11/03/2022. After the promotional period, the variable standard APR will be based on the borrower’s line amount, combined loan-to-value ratio, and credit rating. Hazard insurance required and flood insurance, if applicable. Bank will pay customary closing costs on lines up to $250,000, which may include flood determination fee, credit reporting fees, title search fees, recording fees, tax service fee, and documentary stamp and intangible tax fees. If required, borrower pays appraisal and survey related charges. An annual fee of $50 is charged on the first year anniversary after closing and each year thereafter. A prepayment penalty of 2% of the original credit line amount, not to exceed $1,500, will be assessed if the credit line is closed within three (3) years of the origination date. The borrower may pay the credit line down to zero without closing the line of credit or without incurring a prepayment penalty. Consult a tax advisor about possible tax benefits. Minimum line of $10,000 required. Exclusions, limitations and funding requirements apply. Additional Limitations and conditions apply for existing HELOC clients. Refer to product disclosure or ask a banker for complete details. Offer available for limited time.
^Overdraft protection subject to transaction fees.