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*APR = Annual Percentage Rate. 5.00% APR available on loans for owner-occupied residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 740 or higher. United Credit Union Home Equity Line of Credit features variable rates based on the Prime Rate (as published by The Wall Street Journal), which as of 8/6/2018, range from 5.00% APR – 9.00% APR. Maximum ceiling rate of 15%. Rates vary depending upon LTV and/or credit score. Additional rates and terms are available. Loans are subject to credit approval. Interest rates and program terms are subject to change without notice. Other restrictions may apply. An application fee of $195 is due at the time of application. Property Insurance is required.