FEES AND CHARGES: You must pay certain fees to third parties to open the plan. These fees generally range from $200.00 to $2,000.00. Upon request, we will provide an itemization of the third‑party fees you will be required to pay. If an appraisal is required, an appraisal fee will be assessed. Other loan closing costs may range from $175 to $275.
^CLOSING COSTS: Closing costs are waived for loan amounts $150,000 or less and apply to owner‑occupied loans only.
***RATE INFORMATION: 1/14/2026
The Annual Percentage Rate (APR) may change on the first day of each month. The variable rate will adjust on the first day of the month following a rate change and will be the Prime Rate as published in the Money Rates section of the Wall Street Journal plus a margin based on your creditworthiness and combined loan‑to‑value at the time of application. The margin you receive will depend on your creditworthiness and the amount of equity in your property. There is no limit on the amount by which the APR may change during any one‑year period. The maximum APR that can apply is 18.0%, or the maximum permitted by law, whichever is less. A minimum APR will apply to this plan. A representative minimum APR of 4.0% has been used in the payment examples throughout this disclosure. The specific minimum APR applicable to your plan will be disclosed on the HELOC Addendum when you establish your plan. The floor rate is 4.49% APR. APR for fixed‑rate advances of $5,000 or more will be set at the time you agree to a fixed‑rate advance and is based on the term and the original application. This fixed rate will remain in effect for the full term of the fixed‑rate subaccount, which cannot exceed the term of the loan.
