The Promotional Annual Percentage Rate (“APR”) of 3.99% may be available to eligible existing Home Equity Line of Credit (“HELOC”) customers who:

• Are currently within the draw period of their HELOC;
• Have not experienced a 30-day or greater delinquency on their HELOC during the preceding 24 months;
• Have an outstanding HELOC balance of less than $25,000 at the time of qualification; and
• Have at least $20,000 of available credit on their HELOC

To qualify for the promotional APR, a minimum new HELOC advance of $10,000 is required during the promotional offer period.

The promotional 3.99% APR will apply for 12 months to a qualifying new HELOC advance and the existing outstanding variable-rate balance at the time of the advance. A new advance must be made during the promotional period to receive the promotional APR on an existing balance. After the promotional period ends, all outstanding balances will accrue interest at the variable APR then in effect under your Home Equity Line of Credit Agreement. The variable APR may increase or decrease based on changes in the index identified in your Home Equity Line of Credit Agreement.

Offer available through September 30, 2026. Account must be open and in good standing at the time of qualification and funding.