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*APR is Annual Percentage Rate. Your actual loan rate will be based on your credit history and term of loan and amount financed. Lowest possible rate on an Equity Express home equity line of credit is 3.99% APR and highest possible rate is 14.99% APR. Rates subject to change. Prime Rate is 3.75% as of 12/14/16. LTV is determined by adding the total of all mortgage loans owed, including 1st and 2nd, divided by the current value of the home.
**SPECIAL INTRODUCTORY RATE HOME EQUITY LOAN DETAILS: *APR is Annual Percentage Rate. Offer only available on new money loans to Dane County Credit Union. Normal credit granting standards apply. Home Equity line of credit rates are variable and subject to change quarterly, based on the prime rate as stated in The Wall Street Journal (4.00%APR as of 3/15/17). Special introductory offer is 2.25% less than current rates. Your actual rate will be based on your credit score. After the 6 month introductory rate period, your rate will be adjusted to match current rates. For 80% and lower loan to value (LTV) the rate will be as low as prime minus 1.00%, currently with a floor of 3.99%; up to 90% LTV, as low as prime rate, currently with a floor of 3.99%; up to 100% LTV, as low as prime plus 1.50%, currently at 5.50%. The APR is subject to change monthly but cannot exceed 14.99% during the life of the loan. Interest begins to accrue from date of advance. Minimum required monthly payment is interest only. Covered closing costs include $99 for properties in Dane County, WI and $149 outside Dane County. Appraisal fee is additional if required. Proof of homeowners insurance is required. No transaction or annual fees apply. Offer cannot be combined with any other offer and expires on June 15, 2017. $5 savings account is required. Credit union reserves the right to cancel offer at any time.
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