*2.49% fixed Annual Percentage Rate (APR) for the first twelve months. Thereafter, variable APR adjusted quarterly based on Wall Street Journal Prime Rate (index) +/- 0 a margin for the life of the loan. As of March 15, 2020, the Prime Rate was 3.25%. The current APR as of December 1, 2020, is 3.25 APR, which includes a 0.00 margin and loan to value <=80%. The maximum rate of 18% APR. Rates and terms will vary depending upon loan-to-value and credit qualifications. An introductory offer is not available for refinances of existing Argent home equity loan/line of credit. Not available for a home purchase or investment properties. No closing costs. If you close your line of credit within thirty-six (36) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. These fees generally total between $400 and $1,000. If you ask, we will provide an itemization. Limited time offer. **Home Equity Loan rates listed include 0.25% discount when payments are automatically taken from an Argent CU checking account. Rates and terms will vary depending upon loan-to-value, credit qualifications, term of the loan, and occupancy of the property. Not available for a home purchase or investment properties. 80% LTV – Payment example based on a loan amount of $25,000: 5-year term with an interest rate of 3.490%, the APR for this loan type is 3.509%. The monthly payment schedule would be: 59 payments of $454.68 at an interest rate of 3.490%, 1 payment of $454.77 at an interest rate of 3.490%. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

HELOC Early Disclosure

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