Borrow as often as you like, up to your approved limit.
As you pay down the balance, your available credit increases.
Take any portion of your line, convert it to a fixed rate advance and choose your repayment term...no application needed.
Interest-only payment option available.
Fixed Rate Advances
Get the security of fixed payments by converting any or all of your line into a fixed rate advance.
Get upto three fixed rate advances at a time.
Fix your rate anytime without an application.
Visa Platinum Credit Card
Convert a portion of your equity into a Visa Platinum credit card.
Get the same great low rate you enjoy on your line of credit.
Automatic enrollment in MemberPoints lets you earn free gift cards, brand-name merchandise and great travel rewards on purchases.
Home Equity 3 in 1 Advantage PlanMay 1, 2013
Line of Credit and Visa Platinum Credit Card3
APR1
Payment per $1,0002
To 75% LTV (Prime - 1/2%)
2.75%
Varies
76% to 85% LTV (Prime + 1/2%)
3.75%
Varies
Over 85% LTV (Prime + 1 1/2%)
4.75%
Varies
Fixed Rate Advance - To 75% LTV
APR
Payment Per $1,000
Up to 5 years
2.99%
$17.96
5 to 10 years
3.99%
$10.12
10 to 15 years
4.99%
$7.90
15 to 20 years
5.99%
$7.16
Fixed Rate Advance - 76% to 85% LTV
APR
Payment Per $1,000
Up to 5 years
3.24%
$18.08
5 to 10 years
4.24%
$10.24
10 to 15 years
5.24%
$8.03
15 to 20 years
6.24%
$7.30
Fixed Rate Advance - Over 85% LTV
APR
Payment Per $1,000
Up to 5 years
3.49%
$18.19
5 to 10 years
4.99%
$10.60
10 to 15 years
5.99%
$8.43
15 to 20 years
6.49%
$7.45
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details. 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term. 3The plan allows up to three fixed rate advances from your line at any given time during the 10 year draw period. If you terminate your line within the first 24 months after closing, you will be responsible for closing costs. These costs generally range from $400-$700. Closing costs do not include any taxes, or extra appraisal costs (if necessary). Interest begins accruing upon loan disbursal. Check with your tax adviser about tax deductibility of interest. Homeowners insurance is required. Total Mortgages/Property Value = LTV
