† December 11, 2023 – May 31, 2024: Annual Percentage Rate of 5.49% for first 12 billing cycles after closing is a promotional offer tied to having an Advia Credit Union Checking account and meeting all the following qualifications: (1) minimum credit score of 680 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, (3) min line of $25,000 selected (or added to a pre-existing HELOC already held with Advia Credit Union), AND (4) evidence of Checking Account and incoming recurring direct deposit of $400 or more monthly via employer payroll, pension, social security or other recurring governmental payment at time of loan closing, OR (5) must have met Advantage Plus Rewards criteria (see program details at adviacu.org/aplus) in the prior month to be eligible. Estimated monthly payment for a $10,000 HELOC during the promo period for the following APR: 5.49% = $45.75 (interest only). Following the promo period of 12 months, the APR will revert to a variable rate, which may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. Ask about current rates. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.
*Promotional RatePlaceholder Annual Percentage Rate on Advia’s Interest-Only Variable HELOC for the first 12 billing cycles after closing. Assumes credit score of 700+ and CLTV <=70%. If credit score <700, and/or CLTV >70%, intro promo rate will be higher. Estimated monthly payment for a $10,000 HELOC during the promotional period for the following APR: RatePlaceholder = $60.33 (interest only). Minimum credit score of 700. Following the promo period of 12 months, the APR will revert to a variable rate, which may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. Ask about current rates. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.
**APR = Annual Percentage Rate.
Some products and services may vary based on geographical region. Offer and rates subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.