*APR=Annual Percentage Rate. Introductory APR for well-qualified borrowers at a maximum Loan to Value ratio (“LTV”) of 90% depending on borrower’s loan scenario. Introductory Home Equity Line of Credit (HELOC) rate of 4.99% APR for the first twelve (12) months. After twelve month introductory period, APR will default to qualifying rate as determined and disclosed at the time of the loan closing. As of 3/25/2024, qualifying interest rates are as low as 7.5% APR with a product floor rate of 4.00% APR and the maximum is 18.00% APR. Rates are based on the Prime Rate published in the Wall Street Journal Money plus a margin. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. Home value is based on US Community Credit Union verified source such as an appraisal, which is required. Borrower pays appraisal fee. Property insurance will be required, including flood insurance if applicable. To qualify, $35,000 new money must be included in loan request. Must have a credit score of 620 or higher at the time of your application. Early loan termination fees may apply. Home Equity products available in Tennessee only. Limited time offers subject to credit approval. Offers subject to change or may expire without notice. Application for HELOC promotion must be submitted by 4/30/2024. All loans are subject to credit approval. Membership required. Terms and conditions may apply. Contact the credit union for any questions regarding promotion.  

† Contact a tax advisor concerning tax-deductibility.  

NMLS ID: 363210