APR = Annual Percentage Rate. All loans are subject to credit approval as well as program terms and conditions. Exact rate and fees offered may vary and are based on credit worthiness, term, collateral, and loan to value. Rates shown are based on the refinance of a primary residence, with a $10,000 loan amount, estimated closing costs of $300, CLTV of 80% or less, and a credit score of 730 or above. 5, 10, and 15 year fixed home equity rates quoted include a 0.25% discount for applicants with a new or existing Honor Credit Union checking account with direct deposit. Posted rates are indications only and are subject to change without notice. Other rates available for other LTV and credit score ranges. Normal underwriting guidelines apply. All loans are subject to credit approval as well as program terms and conditions.

Payment Example: $10,000 at a rate of 7.500%, 8.781% APR for 5 years equals $200.38. This payment example consists of principal and interest only and does not include any additional fees or costs. Your actual payment may be higher.

*APR = Annual Percentage Rate. Rates accurate as of 9/19/2024. This introductory offer applies only to a new home equity line of credit (HELOC) approved on or after 9/19/24 and existing HELOCs with a zero balance. The 6-month introductory offer of 5.49% APR will be valid for a HELOC with 80% Loan-To-Value (LTV) or less and a minimum credit score of 730; or 6.49% APR with a credit score of 690-729. Approval and rate may vary based on credit history, LTV, and amount borrowed. The introductory offer HELOC will convert to a variable rate after the first 6 months following the loan disbursement date. Upon expiration of the introductory period, the APR can range from 3.00% to 15.00% based on the current Wall Street Journal “Prime” rate, which was 8.00% as of 9/19/2024, and may adjust monthly thereafter. Offer good for primary and secondary residences only. Minimum advance is $5,000. $300.00 processing/closing cost fee on all home equity products plus appraisal fee, if required. Flood insurance may be required. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Other restrictions may apply. Subject to credit approval. Limited time offer. Equal Housing Opportunity. Consult a tax advisor regarding the deductibility of interest.