Take advantage of low rates – and unlimited possibilities.

_{^{*APR: Annual Percentage Rate. Minimum Loan Amount is $10,000 with a minimum initial draw amount of $10,000 and $1,000 thereafter. Pay interest only for the first 10 years of this variable-rate home equity line of credit. After the interest-only period (for the first 12 months), you have up to 10 years to repay the balance. During the draw period (first 10 years) you can make advances, repay and advance again as needed. Your rate and credit limit will be determined based on individual creditworthiness. Verification of income may be required. This offer is limited to owner-occupied, single-family dwellings and is not valid for rental properties, cooperatives, mobile homes or residential lots. Property insurance is required. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. The APR includes interest only and no other costs and is based on the value of an index (the Prime Rate published in the Wall Street Journal) and could change at any time. We will use the most recent index value available to us as of the 15th of the month preceding each rate adjustment. To determine the APR which will apply to your account, a margin will be added to your current index rate. The margin ranges from 0% to 4% and is based upon your individual credit history and combined loan to value (CLTV). Most home equity loans qualify for tax deductible interest. Consult your tax advisor for details. In no event will the regular Annual Percentage Rate be less than 4.25% or more than the lesser of 18% per annum or the maximum rate allowed by applicable law. Borrow up to 80% of appraised value for promotional rate for Home Equity Line of Credit. 3.49% introductory promotional APR available for A+ credit tier (730 or above) for 12 months after the loan is funded, rate would start as low as 8.75% APR. Minimum monthly payment may change as a result of rate change or outstanding loan balance. Envision Credit Union reserves the right to change the terms of or discontinue this offer at any time without notice. Home Equity and Mortgage products and interest rates are subject to standard underwriting criteria, Loan to Value limitations, lien position, property use and location. Envision Credit Union reserves the right to add any closing costs advanced on your behalf to the balance of the loan if the account is closed within three (3) years. Closing cost does not include Title Insurance, Appraisal, or Survey (if required). Consult your Home Loan Officer for Details. Envision Credit Union NMLS# 506298. Effective as of November 8, 2024. Prime rate is accurate as of November 8, 2024.}}