Disclosures
1Interest-Only Home Equity Line of Credit - The promotional rate of 3.99% is valid for the first six (6) months of the loan only. After the six-month promotional period, the Annual Percentage Rate (APR) during the revolving period will be variable and will range from 0.25% below the Wall Street Journal (WSJ) Prime Rate to 1.25% above the WSJ Prime Rate, subject to a minimum APR (floor) of 3.99% and a maximum APR of 21%. The APR offered is based on the client’s credit characteristics, Loan-To-Value (LTV), and collateral. The term is 10 years, and the loan amount must be $10,000 or greater. Available to owner-occupied primary residences only. Current appraisal and property insurance are required, including flood insurance when applicable. The client pays all fees and costs. A one-time $199 loan documentation fee applies, and all fees may be financed. The maximum loan amount ranges from 70% to 85% of the home’s value based on the amount borrowed. There is no down payment required. The minimum monthly payment is the interest accrued each month. Interest-only payments will result in a balloon payment of the remaining loan balance at the end of the loan term. Loan example: A $40,000 loan balance with a 10-year term (120 months) and an APR of 6.50% has a minimum monthly payment of $213.90. Credit and collateral are subject to approval. Other terms and conditions may apply. This is not a commitment to lend. All rates, terms, and conditions are subject to change without notice. The Introductory Period begins on the date of account opening. No other discounts are available during the Introductory Period. Offer available only in Arizona, Colorado, and Oklahoma. This offer starts on April 1, 2026, and ends on September 30, 2026.
2Home Equity Loan - The promotional rate of 3.99% is valid for the first six (6) months of the loan only. After the six-month promotional period, the Annual Percentage Rate (APR) is fixed. The APR offered is based on the client’s credit characteristics, loan term, and Loan-To-Value (LTV). The loan amount must be $10,000 or greater. Current appraisal and property insurance are required, including flood insurance when applicable. The client pays all fees and costs. A one-time $199 loan documentation fee applies, and all fees may be financed. The maximum loan amount is 85% of the home’s value based on the amount borrowed. There is no down payment required. The minimum monthly payment varies by loan term and APR. Loan example: A $25,000 original loan balance with a 10-year term (120 months) and an APR of 9.579% has a minimum monthly payment of $324.58. Credit and collateral are subject to approval. Other terms and conditions may apply. This is not a commitment to lend. All rates, terms, and conditions are subject to change without notice. The Introductory Period begins on the date of account opening. No other discounts are available during the Introductory Period. Offer available only in Arizona, Colorado, and Oklahoma. The offer starts on April 1, 2026, and ends on September 30, 2026