Hybrid Home Equity

1 Hybrid Home Equity. APR = Annual Percentage Rate. Introductory rate for the line of credit as low as 5.99% for the first year, then the APR will vary for the remaining life of the loan. As of 12/31/2024, this variable HELOC APR would have been 6.99% APR for 70% LTV. LTV = Loan to Value. For the HELOC, the Rate is subject to a minimum of 3.99%, and the maximum APR is 18%. Line of credit has a 10-year draw period with a maximum of 15-year repayment period. Minimum payment for master line of credit is calculated at the time a credit advance is made using a payoff period of 180 monthly payments or $150 minimum payment, whichever is greater. Rates are based on the Prime Rate published in the Wall Street Journal Money Rates Table plus margin. Home value may be determined by an appraisal or valuation with a cost to the member. Property must be a single family home and owner-occupied. Property insurance will be required. Line amounts range from $10,000 to $350,000 based on LTV. Offer not available to members who have an existing Home Equity Loan or HELOC with us. Limited time offers subject to credit approval. Offers subject to change or may expire without notice. Promotion available for a limited time only. Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 12/31/2024, the fixed rate for an 70% Hybrid Locked segment is as low as 7.49%. Home Equity products are available in Arkansas, Nebraska, Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Arkansas, Nebraska, Florida, Illinois properties - maximum LTV 90%/maximum loan amount $250,000.

2 Debt Consolidation. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you.

3 Homeowners Insurance. Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products: