Equity Loan Special - APR is Annual Percentage Rate. Introductory rate is fixed for 6 months from the loan origination date. At that time, all balances will convert to the fixed rate of the loan program that you have chosen. Options include a fixed rate loan or fixed rate line of credit. All loans are subject to approval. Rates as of March 1 are as follows: **Fixed Rate Home Equity Line of Credit as low as 3.75% APR for a 5-year credit line. An example of monthly payment for $25,000 loan is $250. The payment example does not include taxes or insurance and the actual payment obligation may be greater. If paying the minimum monthly payment only, a balloon payment may result at the end of the term. Rate is based on credit history and loan-to-value (LTV). Rate assumes a LTV of 80% or less and a beacon of 700 or above. Proof of homeowner insurance required. Closing costs are $350 in Iowa / $450 in Illinois unless full appraisal needed (appraisal estimate $480). No internal refinances. Consult tax advisor on tax deductibility. Rate and loan approval are subject to credit qualification and Loan-to-Value (LTV) ratio. ***Home Equity Loan rates are as low as 3.49% APR for a 5-year term, 4.24% APR for a 10-year term, 4.74% APR for a 15-year term. For example, 60 monthly payments of $18.19 per $1,000 borrowed at 3.49% APR. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Rate is based on credit history and loan-to-value (LTV). Rate assumes a LTV of 80% or less and a beacon of 700 or above. Proof of homeowner insurance required. Closing costs are $350 in Iowa / $450 in Illinois unless full appraisal needed (appraisal estimate $480). No internal refinances. Consult tax advisor on tax deductibility. Rate and loan approval are subject to credit qualification and Loan-to-Value (LTV) ratio.