Advertised Introductory *Annual Percentage Rate (APR) of 1.99% is the lowest available and is fixed for the first 12 months. Offer based on individual credit worthiness and subject to loan to value (LTV) of 80%. After initial 12 monthly billing cycles, rate automatically reverts to a variable rate of interest as low as Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. As of 12/17/15 Prime Rate was 3.50%. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 18% with a minimum rate of 2.75%. Minimum payment is 1.5% of unpaid balance or $200, whichever is greater. If home equity is paid in full and closed within twelve (12) months from the opening date, a prepayment penalty may apply. RI: up to but not to exceed 2% of the balance due at time of payoff; MA: remaining balance of first year’s interest or amount equal to last 3 months’ interest, whichever is less. Existing NCU home equity lines/loans are not eligible for refinance with this promotion. Other rates and terms available. Inquire for full details.