*Rates subject to change. Interest rates are determined by the borrower's credit history. Stated rates are the lowest rates offered and include a .25% discount for automatic payment. Other rates and terms are available. **Prime Rate as reported in the Wall Street Journal 10 days prior to the last day of the month. HELOC interest rate will have a floor of 3.75% based on the rate, and caps of 2.00% annually and 6.00% lifetime (also based on rate). Percentage rate increases are limited to not more than 2% annually and 6% over the life of the loan. $35 annual fee applies to all HELOC loan products. Vacation or second homes do not qualify under this program.