Annual Percentage Rate (APR). 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. Rates, terms and conditions are subject to change without notice. **Rates above reflect an 70% loan to value. HELOC (Home Equity Line of Credit) loans greater than 70% loan to value have certain restrictions, please contact a loan officer for further details. Special fixed APR for first 12 months, then adjusted monthly. APR using current index and margin would be 5.50% or higher. After fixed rate introductory period, rate is variable, based on the Wall Street Journal Prime Rate plus a margin as low as 0% (based on credit rating) and subject to change at any time. Prime Rate as of 3/23/2023 is 8.00%. Floor rate is equal to prime plus margin (based on credit history) at time of closing after promotional period; with a maximum annual percentage rate of 18.00%. HRCU will pay the following closing costs on most new Equity Loan applications (Fixed Rate and Lines of Credit): settlement fees, flood determination fee, title search fee, credit report fee, and recording fees. Offer excludes the following fees: appraisal fee, lenders title insurance and any additional fees associated with properties held in a trust. Loans paid off and closed within thirty-six (36) months of origination date will require reimbursement of all closing costs paid by HRCU. For loan amounts up to $500,000, closing costs that members pay could range between $150 and $1,200. Closing costs depend on property location, property type, and amount of the Equity Loan. Only available for primary residence. HRCU must be in first or second lien position; and home is not listed for sale. Minimum loan amount of $20,000, with $250 minimum advances; maximum loan amount of $500,000. 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.

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*Annual Percentage Rate (APR). Loan subject to underwriting qualifications. All programs, rates and conditions are subject to change without notice. Rates above reflect an 80% loan to value ratio. Loan APR based on an evaluation of credit worthiness and ability to repay, so your rate may differ. Fixed HE (Fixed Home Equity) values greater than 80% loan to value have certain restrictions, please contact a loan officer for further details. HRCU will pay the following closing costs on most new Equity Loan applications (Fixed Rate and Lines of Credit): settlement fees, flood determination fee, title search fee, credit report fee, and recording fees. Offer excludes the following fees: appraisal fee, lenders title insurance and any additional fees associated with properties held in a trust. Loans paid off and closed within three (3) years of origination date will require reimbursement of all closing costs paid by HRCU. For loan amounts up to $200,000, closing costs that members could pay range between $150 and $1,200.

1 Closing costs depend on property location, property type, and amount of the Equity Loan. 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.

2 Example: A $20,000 loan at 6.99%APR. 180 monthly payments of $179.65 Total finance charge of $12,337.69 bringing the total payment to $32,337.69