*APR = Annual Percentage Rate. 4.99% APR is an introductory discounted rate available for the first 24 months on a new Home Equity Line of Credit (HELOC) secured by a primary residence. After the 24-month introductory period, the rate will convert to a variable rate equal to the Wall Street Journal (WSJ) Prime Rate plus a margin ranging from 0.50% to 3.50%, depending on creditworthiness, resulting in varying APRs. As of September 16, 2026, the WSJ Prime Rate is 7.00%. The regular APR for qualified borrowers (Grade A) would be 7.50% (Prime + 0.50%). Rates may increase after consummation. The floor rate is 3.00% APR. The maximum APR is 18.00%. There are no fees to open the plan. Maximum loan amount: $450,000. Maximum LTV: 80% (primary residence). Minimum loan amount: $25,000. Minimum initial draw: $5,000. Draw period: 5 years. Payment due on the 15th of each month. An appraisal is required for loan amounts of $400,000 or greater, or when the combined loan-to-value ratio is 80% or higher of the AVM value. Applies to new HELOC applications October 1–31, 2026. Membership eligibility required. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Federally insured by NCUA. Equal Housing Lender.