Rate and closing cost offer are effective August 13, 2019, subject to change without notice and are for new home equity lines of credit. The APR will be based on an Index PLUS a margin. The index is the highest Prime Rate published in The Wall Street Journal. As of August 13, 2019 the Prime Rate was 5.25%; however the APR can never go below 4.00%, the floor rate. The maximum APR will be 16% APR, the ceiling rate. APRs assume a credit score of 750 or better; other programs with other terms or costs are available for credit scores below 750 or line amounts over $500,000. Minimum line amount is $5,000.00. Account closing costs can range up to $650. Offer excludes expenses for legal work outside the normal scope requiring additional documentation and preparation, a non-standard property appraisal needing additional verification from the appraiser or title issues with additional legal work. Offer applies to owner-occupied 1-4 family primary residences and second homes, excluding mobile homes. Homeowners insurance is required.