Terms and Disclosures
*APR = Annual Percentage Rate. HELOC = Home Equity Line of Credit. Exclusive 1.99% APR is effective for initial 12 months of the loan. On your 12 month anniversary date , rate converts to variable rate. For loans in PA, Wall Street Journal Prime (WSJP) +0.50% for loans up to $99,999.99. Loans $100,000 or greater, WSJP +0.25%. As of 12/24/13, WSJP is 3.25%; loans up to $99,999.99 would be at 3.75% and loans $100,000 and greater would be at 3.50%. For loans in MD, WSJP +0.75% for loans up to $99,999.99. Loans $100,000 or greater, WSJP +0.50. Loans up to $99,999.99 would be at 4.00% and loans $100,000 and greater would be at 3.75%. The maximum APR for this variable rate loan is 18.00%. Minimum loan amount is $10,000. Loan requires the proof of active homeowner's insurance policy. We reserve the right to withdraw this offer at any time. New Home Equity Line of Credit accounts only. Recapture Fee of $300 in PA and $700 in MD will apply if the loan is closed within the first 24 months.