Rates and offer are effective February 2, 2023, subject to change without notice and are for new home equity lines of credit. The 7.50% Annual Percentage Rate (APR) is variable each month and the APR will be established based on an Index PLUS margin. The index is the highest Prime Rate Published in the Wall Street Journal. Adjustments to the Periodic Rate and the corresponding Annual Percentage Rate, resulting from changes in the Index, can change daily. As of February 2, 2023, the Prime Rate was 7.75%; however the APR can never go below the minimum of 3.50%. The maximum APR will be 16% APR. APRs assume a credit score of 700 or better; other programs with other terms are available. 10-year draw, 15-year repayment requirement. Maximum 85% Combined Loan to Value Ratio (CLTVR). Lower CLTVR for loan amounts above $647,200.00. Minimum line amount is $5,000.00. Special Appraisal & Title fee offer is available for Primary and Second Homes. Offer excludes expenses for unusual legal, unique property appraisals or title issues. Offer applies to owner-occupied 1-4 family primary residences and second homes, excluding mobile homes. Homeowners insurance required.