APR denotes Annual Percentage Rate. Introductory APR of 4.99% APR is only for variable-rate advances of brand-new HELOC Flex and HELOC Plus home equity credit lines products made within the first 6 months from the Disbursement Date (the date your line of credit is established and available for advances) of the new home equity line of credit item.
Your HELOC Flex or HELOC Plus application need to be gotten between 6/10/2025 and 9/10/2025 for this Introductory APR to apply. If the loan is disbursed after the first of the month, the count of the six-month introduction period starts on the very first of the following month. After expiration of the Introductory APR term and on the very first calendar day of the seventh month following the loan Disbursement Date, balances will be charged the variable APR from 7.50% APR - 18% APR based upon credit reliability and loan-to-value (LTV); your rate might differ from the rate revealed here. The APR for variable advance(s) will be equal to the Prime Rate as released in the last issue of the Wall Street Journal on the last day before the current calendar month, plus a margin. Margin is based upon LTV and credit reliability.
There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances go through readily available credit and can just be made up to your approved credit limit. The minimum credit line amount to open is $5,000. The month-to-month payment may vary. The optimum APR is 18% and Maximum LTV depends on 90%. PSECU may terminate this introductory rate offer at any time and without notice.
1PSECU agents can not give tax recommendations. Please consult a certified tax advisor to determine if interest may be tax deductible.
2HELOC Flex: Rates "as low as" 7.50% APR presumes outstanding credit reliability; your rate may vary from the rate(s) shown here. Rate and loan quantity subject to credit approval. The APR for a variable advance(s) will be equivalent to the WSJ Prime Rate as released in the last concern of the Wall Street Journal on the last day before the present calendar month or the WSJ Prime Rate combined with a margin. For loan-to-value (LTV) approximately 80%, the APR for a variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for a variable advance(s) is WSJ Prime Rate combined with a margin.
There is a 10-year advance period with a 20-year amortized repayment duration based upon the principal balance when the repayment period begins. There is no needed minimum advance quantity for a variable-rate advance and no limit of advances. All advances go through readily available credit and can only be made up to your authorized credit limitation. The minimum line of credit amount is $5,000.
The regular monthly payment may differ. The maximum APR is 18%.
3HELOC Plus: Rates "as low as" 7.50% APR presumes exceptional credit reliability; your rate might vary from the rate(s) shown here. Rate and loan amount topic to credit approval. The APR for variable advance(s) or repaired advance(s) will be equivalent to the WSJ Prime Rate as released in the last issue of the Wall Street Journal on the last day before the present calendar month or the Prime Rate integrated with a margin. For loan-to-value (LTV) approximately 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV higher than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate combined with a margin. For LTV approximately 90%, the APR for repaired advance(s) is equal to the WSJ Prime Rate combined with a margin. Fixed Advance(s) are figured out at the time of the advance. There is a 10-year advance duration with a 20-year payment duration (5-year advance period with a 10-year repayment duration on rental residential or commercial properties) from the date of the last advance. The minimum line of credit advance for a set rate advance is $5,000 with a limit of 3 repaired rate advances impressive at one time. There is no required minimum advance quantity for a variable rate advance and no limitation of advances. All advances go through offered credit and can only be made up to your authorized credit line. The minimum credit line quantity is $5,000. The monthly payment may differ. The maximum APR is 18%.
4Real Estate Equity Loan: Rates "as low as" 5.940% APR presumes outstanding creditworthiness; your rate may differ from the rate(s) revealed here.
Rate and loan quantity topic to credit approval. Minimum loan quantity is $5,000. Loan rates, terms, and details go through change at any time.
Fixed-rate Real Estate Equity loans are available for primary residences, 2nd homes and financial investment residential or commercial properties. Payment example: a 5.940% fixed APR obtains a 60-month term and LTV approximately 80% for a month-to-month payment of $19.31 per $1,000 borrowed.
