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* Rate is as low as Prime+0% and adjusts annually. Your rate may vary from that shown above and is based on creditworthiness.  This is a variable rate line of credit and as such, the rate may change over the life of the line. Consult us for details. The maximum APR for a line of credit is 6% above the entry rate or 18%, whichever is lower. Equity based on 80% of assessed value less first mortgage balance.  Subject to credit approval.  Closing costs do not include appraisal or survey (normally not required) or any other non-routine costs that may be associated with your line of credit. Minimum initial draw of 10% of credit line required for no closing costs.  Minimum line $5,000.00. Maximum line $100,000.00. Offer good for applications submitted by 1/31/2008. Member must maintain homeowner's insurance at own expense.     ^ Consult your tax advisor for tax deductibility of finance charge.

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