*Rate effective April 1, 2016. No closing
costs on approved credit limits of $10,000 or
more. If less than $10,000, closing costs
may range between $100-$400. If you
modify an existing First Choice America Home
Equity Line of Credit loan, you may be charged a
loan modification fee, not to exceed $195.
The initial interest rate is 2.79% through March
31, 2018 and thereafter may adjust on the
first of every month to the current prime rate
plus .50% as published in the Wall Street
Journal (as of 12-18-15 3.50% + .50 =
4.00%APR). Beginning April 1, 2018, the
APR will never be less than 4.00%. Maximum APR
18%. Minimum credit line $5,000. Maximum term is
20 years. Annual fee $45. Over limit
fee $25. Property insurance required.
Consult your tax advisor about interest
deductibility. All loans subject to credit
approval. Limited time offer. Membership
eligibility required. Federally insured by NCUA.
Equal Housing Lender. NMLS# 411557.