Rates

Effective: Thursday, November 14, 2024

Type	APR as low as	Max LTV	Draw Period	Repayment Period
Standard HELOC*	Prime	80%	10 Yrs	15 Yrs
Member Rewards**	5.49% for 12 months, then prime	80%	10 Yrs	15 Yrs
Equity Plus***	Prime (+) 3.25%	100%	5 Yrs	15 Yrs

*The Annual Percentage Rate (APR) for the standard Home Equity Line product is variable based on the highest domestic Prime Rate published in The Wall Street Journal. The Prime Rate as of 11/8/2024 is 7.75%. Minimum line amount is $10,000. Maximum line amount is $500,000 for owner occupied properties and $250,000 for investment properties. Loan to value not to exceed 80%. This offer is subject to change at any time without notice. There is a $400 penalty for early termination. Consult a tax advisor regarding the tax deductibility of interest. The maximum possible APR is 18%. Property insurance is required which includes, as required, flood insurance. Monthly payments may increase if you are required to escrow for property tax and homeowner’s insurance premiums. Other restrictions may apply. Eligibility requirements, terms, conditions, and exclusions apply. Ask for details.

The Annual Percentage Rate (APR) for the Member Rewards Home Equity Line product is variable based on the highest domestic Prime Rate published in The Wall Street Journal. The Prime Rate as of 11/8/2024 is 7.75%. In order to qualify for the 5.49% introductory rate, you must have a minimum draw amount of $10,000 at closing. Minimum line amount is $10,000. Maximum line amount is $500,000 for owner occupied properties and $250,000 for investment properties. Loan to value not to exceed 80%. There is a $400 penalty for early termination. Consult a tax advisor regarding the tax deductibility of interest. **After initial 12 months, APR is the Prime Rate, that is currently at 8.00%. The maximum possible APR is 18%. Property insurance is required which includes, as required, flood insurance. Monthly payments may increase if you are required to escrow for property tax and homeowner’s insurance premiums. Other restrictions may apply. New lines only. Eligibility requirements, terms, conditions, and exclusions apply. Ask for details.

The Annual Percentage Rate (APR) for the Equity Plus Home Equity Line product is variable based on the highest domestic Prime Rate published in The Wall Street Journal. The Prime Rate as of 11/8/2024 is 7.75%. Minimum line amount is $10,000. Maximum line amount is $250,000 for owner occupied properties only. This product is not available for non-owner occupied properties. Loan to value not to exceed 100%. This offer is subject to change at any time without notice. A full appraisal will be required for this product with cost ranging from $475 to $650. There is a $400 penalty for early termination. Consult a tax advisor regarding the tax deductibility of interest. The maximum possible APR is 18%. Property insurance is required which includes, as required, flood insurance. Monthly payments may increase if you are required to escrow for property tax and homeowner’s insurance premiums. Other restrictions may apply. Eligibility requirements, terms, conditions, and exclusions apply. Ask for details.

Effective: Thursday, November 14, 2024

Term	Rate	APR*	Estimated Payment per $1,000
5 Yrs	6.250%	6.250%	$19.00
10 Yrs	6.500%	6.500%	$11.35
15 Yrs	7.000%	7.000%	$8.99

*Annual Percentage Rate (APR) and interest rates are based on our current pricing and are subject to change any time without notice. Rates are determined by creditworthiness, loan term, occupancy status, property type, property location and lien position so your rate could be higher. Minimum loan amount is $10,000. Maximum loan amount is $250,000. Loan to value not to exceed 80%. If loan to value exceeds 80% then a full appraisal will be required at a cost of $600.  Consult a tax advisor regarding the tax deductibility of interest. Property insurance is required which includes, as required, flood insurance. Monthly payments may increase if you are required to escrow for property tax and homeowner’s insurance premiums. Other restrictions may apply. Eligibility requirements, terms, conditions, and exclusions apply. Ask for details.

Effective: Thursday, November 14, 2024

Term	APR* As Low As	Monthly Payment Per $1,000 Borrowed
36 Months	6.625%	$30.70
48 Months	6.625%	$23.77
60 Months	6.625%	$19.62

*Annual Percentage Rate (APR) is subject to change. APRs above are based on the applicant’s credit score, collateral value, and overall relationship with Homefield Credit Union. Other terms/rates available. Rates and terms on commercial vehicles will differ. Restrictions may apply.

Effective: Thursday, November 14, 2024

Term	APR† As Low As	Monthly Payment Per $1,000 Borrowed
36 Months	7.625%	$31.16
48 Months	8.625%	$24.70
60 Months	9.625%	$21.06

^†Annual Percentage Rate (APR) is subject to change. APRs above are based on the applicant’s credit score, collateral value, assuming model years 2019–2024, and overall relationship with Homefield Credit Union. Other terms/rates available. Restrictions may apply. Contact us for rates applicable to model years older than 2016.

Effective: Thursday, November 14, 2024

Term	APR‡ As Low As	Monthly Payment Per $1,000 Borrowed
36 Months	10.990%	$32.73
48 Months	10.990%	$25.84
60 Months	10.990%	$21.73

^‡Annual Percentage Rate (APR) is subject to change. APRs above are based on the applicant’s credit score, and overall relationship with Homefield Credit Union. Other terms/rates available. Minimum loan amount $3,000. Max loan amount $10,000 per borrower. Restrictions may apply.

Effective: Thursday, November 14, 2024

APY§	Rate§	Min. Deposit
0.250%	0.250%	$25.00
0.350%	0.350%	$25,000.00
0.450%	0.450%	$50,000.00

^§APY indicates Annual Percentage Yield. Rate and APY listed apply to both regular and IRA CDs. Fees may reduce earnings. Early withdrawal penalties may apply for CD accounts. For variable rate accounts, the interest rate/APY may change after opening. Please refer to our Truth-in-Savings disclosure for details regarding the minimum balance required to earn interest on your accounts. Please contact us for more information at 508-839-5493.

Effective: Thursday, November 14, 2024

APY§	Rate§	Min. Deposit
0.100%	0.100%	$2,500.00
0.150%	0.150%	$25,000.00
0.200%	0.200%	$50,000.00
0.200%	0.200%	$150,000.00

^§APY indicates Annual Percentage Yield. Rate and APY listed apply to both regular and IRA CDs. Fees may reduce earnings. Early withdrawal penalties may apply for CD accounts. For variable rate accounts, the interest rate/APY may change after opening. Please refer to our Truth-in-Savings disclosure for details regarding the minimum balance required to earn interest on your accounts. Please contact us for more information at 508-839-5493.

Effective: Thursday, November 14, 2024

Term	APY§	Rate§	Min. Deposit
3 Months	0.100%	0.100%	$1,000.00
6 Months	0.200%	0.200%	$1,000.00
9 Months Special	4.350%	4.265%	$1,000.00
12 Months	0.250%	0.250%	$1,000.00
18 Months	0.350%	0.350%	$1,000.00
24 Months	0.350%	0.350%	$1,000.00
36 Months	0.450%	0.450%	$1,000.00
48 Months	0.550%	0.550%	$1,000.00
60 Months	0.850%	0.850%	$1,000.00

^§APY indicates Annual Percentage Yield. Rate and APY listed apply to both regular and IRA CDs. Fees may reduce earnings. Early withdrawal penalties may apply for CD accounts. For variable rate accounts, the interest rate/APY may change after opening. Please refer to our Truth-in-Savings disclosure for details regarding the minimum balance required to earn interest on your accounts. Please contact us for more information at 508-839-5493.

Effective: Thursday, November 14, 2024

APY||	Rate||	Min. Deposit
0.050%	0.050%	$5.00

^||APY indicates Annual Percentage Yield. For variable rate accounts, the interest rate/APY may change after opening. Please refer to our Truth-in-Savings disclosure for details regarding the minimum balance required to earn interest on your accounts.

Effective: Thursday, November 14, 2024

APY||	Rate||	Min. Deposit
0.010%	0.010%	$5.00

^||APY indicates Annual Percentage Yield. For variable rate accounts, the interest rate/APY may change after opening. Please refer to our Truth-in-Savings disclosure for details regarding the minimum balance required to earn interest on your accounts.