APR signifies Interest rate. Introductory APR of 4.99% APR is just for variable-rate advances of brand-new HELOC Flex and HELOC Plus home equity lines of credit products made within the first six months from the Disbursement Date (the date your line of credit is developed and offered for advances) of the brand-new home equity line of credit item. Your HELOC Flex or HELOC Plus application need to be received in between 6/10/2025 and 9/10/2025 for this Introductory APR to apply. If the loan is paid out after the very first of the month, the count of the six-month introduction duration begins on the very first of the following month. After expiration of the Introductory APR term and on the 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 on credit reliability and loan-to-value (LTV); your rate may differ from the rate revealed here. The APR for variable advance(s) will amount to the Prime Rate as published in the last problem of the Wall Street Journal on the last day before the existing calendar month, plus a margin. Margin is based on LTV and creditworthiness. There is no needed minimum advance quantity for a variable rate advance and no limitation of advances. All advances are subject to readily available credit and can only be made up to your approved credit limit. The minimum credit line quantity to open is $5,000. The month-to-month payment might vary. The optimum APR is 18% and Maximum LTV depends on 90%. PSECU may end this initial rate offer at any time and without notice.

1PSECU representatives can not provide tax recommendations. Please speak with a qualified tax consultant to determine if interest might be tax deductible.

2HELOC Flex: Rates "as low as" 7.50% APR presumes reliability; your rate may vary from the rate(s) revealed here. Rate and loan amount subject to credit approval. The APR for a variable advance(s) will amount to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the existing 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) amounts to the WSJ Prime Rate. For an LTV greater than 80% approximately 90%, the APR for a variable advance(s) is WSJ Prime Rate integrated with a margin. There is a 10-year advance period with a 20-year amortized payment period based on the principal balance when the repayment duration begins. There is no required minimum advance amount for a variable-rate advance and no limit of advances. All advances undergo available credit and can just be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

3HELOC Plus: Rates "as low as" 7.50% APR presumes outstanding creditworthiness; your rate might vary from the rate(s) revealed here. Rate and loan amount subject 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 concern of the Wall Street Journal on the last day before the present calendar month or the Prime Rate combined with a margin. For loan-to-value (LTV) as much as 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% as much as 90%, the APR for variable advance(s) is WSJ Prime Rate integrated with a margin. For LTV as much as 90%, the APR for repaired advance(s) amounts to the WSJ Prime Rate combined with a margin. Fixed Advance(s) are determined at the time of the advance. There is a 10-year advance duration with a 20-year repayment period (5-year advance duration with a 10-year payment period on rental residential or commercial properties) from the date of the last advance. The minimum line of credit advance for a fixed rate advance is $5,000 with a limit of 3 fixed rate advances impressive at one time. There is no needed minimum advance amount for a variable rate advance and no limitation of advances. All advances undergo readily available credit and can just be made up to your approved credit line. The minimum line of credit amount is $5,000. The regular monthly payment may vary. The optimum APR is 18%.

4Real Estate Equity Loan: Rates "as low as" 5.940% APR presumes outstanding creditworthiness; your rate may vary from the rate(s) shown here. Rate and loan quantity subject to credit approval. Minimum loan quantity is $5,000. Loan rates, terms, and information undergo change at any time. Fixed-rate Property Equity loans are offered for main residences, second homes and financial investment residential or commercial properties. Payment example: a 5.940% fixed APR makes an application for a 60-month term and LTV approximately 80% for a monthly payment of $19.31 per $1,000 borrowed. For a LTV higher than 80% as much as 90% the repaired APR is 6.690% for 60 months for a month-to-month payment of $19.66 per $1,000 obtained. A 6.140% fixed APR requests a 120-month term and LTV as much as 80% for a regular monthly payment of $11.18 per $1,000 obtained. For a LTV greater than 80% up to 90% the repaired APR is 6.890% for 120 months for a monthly payment of $11.56 per $1,000 borrowed. A 6.640% repaired APR gets a 180-month term and LTV approximately 80% for a month-to-month payment of $8.80 per $1,000 borrowed. For a LTV greater than 80% as much as 90% the repaired APR is 7.390% for 180 months for a month-to-month payment of $9.22 per $1,000 obtained. A 7.740% fixed APR uses for a 240-month term and LTV up to 80% for a regular monthly payment of $8.21 per $1,000 borrowed. For a LTV higher than 80% as much as 90% the fixed APR is 8.490% for 240 months for a month-to-month payment of $8.68 per $1,000 obtained. Payment amounts shown are representative of principal and interest just and do not include taxes and insurance, if suitable; for that reason, real payment might be greater and differ from those revealed.