ANNUAL PERCENTAGE RATE of 1.875% applies to a fixed-rate advance made under the home equity line of credit agreement ("HELOC") with a maximum seven-year repayment term, 50% loan-to-value (“LTV”) ratio, and minimum FICO score of 740. These terms apply only to HELOCs secured by a senior lien trust deed. HELOC terms have a fixed rate conversion option. Borrowers may convert all or part of their variable rate ("revolving") balance to a fixed rate with repayment terms up to 25 years. The APR on any revolving balance portion is variable and is currently as low as 3.0%. APR is based on the Wall Street Journal Prime Rate, minus 0.25%. The maximum variable rate adjustment is 2% annually and 5% for the life of the loan. The fixed and variable APR, each member, pays will vary based on lien position, LTV, and FICO score. Third-party fees range from $260-$1,300 for credit limits of $50,000. Rates and terms are available for LTV ratios up to 70%. Rates are subject to change without notice. All HELOCs are subject to credit approval.