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Everyday Equity Line of Credit

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introducing everyday equity!

This unique home equity line of credit is designed with you in mind. In today’s world, we can all use a little flexibility. Everyday equity allows you to lock in our great, low fixed rates for up to two segments** and enjoy the ability to access your remaining credit line as you need it.

Whether you’re paying for tuition, consolidating debt or sprucing up around your home this season, Everyday Equity is designed to benefit your financial plan.

everyday equity also features:

  • Our great low rates! (variable rate for line of credit and fixed rate for up to two segments.**)
  • The ability to access funds when you need them!
  • Low monthly payments!
  • Minimal closing costs.*
  • An efficient approval process.
  • Interest may be tax deductible.†
  • Minimum line amount $7,500.

Our knowledgeable team of experienced lenders will guide you through the process! Apply today!

*Your rate may vary and will be determined by your individual credit profile and your home’s available value (determined by appraisal less any outstanding mortgages). Minimum loan amount is $7,500. Minimum new money or advance amount at time of closing must be $7,500 to qualify for minimal closing costs. Owner-occupied residences only. The fees to be waived are the Property Search, Flood Search and Recording Fee. If the loan is paid off within a 36 month period, fees may be reassessed and included in final payoff. The Satisfaction Fee will not be waived and will be collected at the end of the term of the loan. Any additional fees, including appraisal fees, will be the responsibility of the member. Homeowners insurance is required; flood insurance is required, where applicable. Automatic payment is preferred from a Service 1st deposit account. Other conditions/restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Normal underwriting guidelines apply. Membership eligibility required.

**Maximum of two (2) termed out segments within master line of credit at any one time. Segments have a fixed rate (the rate will not increase at any time while the plan is open), term and payment. Combined total of segments cannot exceed maximum amount of master line of credit. As balance of segment is reduced, it will proportionately increase available amount of master line of credit. The rate on the master line of credit portion is variable, Prime Rate + 0% for up to 80% LTV (loan to value), Prime Rate + 1% between 80.01% and 90% LTV and is subject to change monthly. This rate varies with the market based on the Prime Rate published in the Wall Street Journal. The annual percentage rate (APR) may increase after consummation; minimum floor is 3.50%; maximum ceiling APR is 18%. APR =  Annual Percentage Rate.

†Consult a tax advisor for further information regarding the deductibility of interest and charges.
Equal Housing Lender Federally Insured by NCUA