Home Equity Line of Credit

*Annual Percentage Rate. Offer good only on a new Home Equity Line of Credit. All advances must be completed within 60 days of the date of closing in order to take advantage of the promotional rate. The 4.99% APR is guaranteed for 12 billing cycles after the date of the last advance within the promotional period and will convert to a variable rate thereafter. Advances made after the 60-day promotional period will be subject to the applicable variable rate. The APR is variable based on the prime rate as published in the Wall Street Journal plus or minus a margin with a minimum APR of 4.00% and maximum APR of 18.00%. The margin is based on the applicant’s credit history and combined loan to value. The current variable APR as of 03/01/2025 is between 6.50% and 7.50%. Property insurance is required for the duration of the loan. Available equity is based upon the current assessed value of the property. Robins Financial Credit Union will maintain a security interest on the property securing the account. Closing costs may be waived if initial advance of $5,000 or more is made at the time of closing. The closing costs are estimated to begin between $200.00 and $700.00. Maximum Loan-to-Value is 100%. Not available for Business Accounts. Some restrictions apply. Offer only valid from March 1, 2025, through April 30, 2025.