*Rates quoted as of 05-01-2016 and 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, currently 3.50%. HELOC interest rate will never drop lower than 3.75% or go higher than 9.75%. 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.