Fixed-Rate Home Equity Loan

*APR=Annual Percentage Rate. Rates are based on an evaluation of credit history and CLTV (combined loan to value) ratio, so your rate may differ. Loan subject to underwriting qualifications. All rates, terms, conditions, and promotions are subject to change without notice. The rates above reflect an 80% loan to value ratio. Fixed HE (Fixed Home Equity) loans greater than 80% loan to value have certain restrictions, please contact a loan officer for further details. HRCU will pay up to $250 of the following closing costs on new Equity Loan applications (Fixed Rate and Lines of Credit): flood determination fee, title search fee, credit report fee, recording fees, and an AVM (Automated Valuation Model). The offer excludes the following fees: appraisal fee, pre-paid interest, lenders title insurance and any additional fees associated with properties held in a trust. For loan amounts up to $200,000, closing costs that members could pay range between $150 and $1,200. Closing costs depend on property location, property type, and amount of the Equity Loan. Applicant is responsible for any closing costs over and above $250 and payment is required at the time of loan closing. Only available for primary residence. HRCU must be in first or second lien position; and home is not listed for sale. Maximum loan amount of $200,000. Homeowner insurance required; Flood insurance may be required. Loan must be new to HRCU; existing loans are not eligible for this promotion. Limited Time Offer.