*APR = Annual Percentage Rate. The variable rate will adjust on the first day of the month following a rate change and shall 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. Variable rate may change after account opening. The rate will not exceed 18% APR. The floor rate is 3.50% 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 be in effect for the whole term of the applicable fixed-rate subaccount, which cannot exceed the term of the loan. Minimum monthly payment is $50. As of 1/1/2023, APR as low as 7.99% based on creditworthiness. Property insurance and security interest in property required. No closing costs on owner-occupied properties for loan amounts of $150,000 or less. If an appraisal is needed, a fee will be assessed. Other loan closing costs may range from $175 - $275. Federally insured by the National Credit Union Administration. Equal Housing Opportunity. Click here for full disclosures.