Introductory Limited Time Offer**
**Special rate of 1.99% APR fixed for the first 6 months of the loan.
*APR means Annual Percentage Rate. This is a variable rate loan. The APR can change quarterly on the first day of January, April, July, and October. The rate cannot increase or decrease by more than 2 percentage points in any one year period. The maximum Annual Percentage Rate that can apply is 15%. The Annual Percentage Rate will not fall below 2.74% during the plan. The rate you receive and the loan to value options available are based on your credit history. Homeowner's insurance is required. Home Equity Loans are not available in some states and amount financed may vary by state. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which consist of the following: title search, flood determination, recording fees and appraisal. Subject to membership, credit and property approval.