Loan Type APR* Amount**
HELOC – Monthly1 Prime Rate – Floor Up to 90%


Fixed Rate Home Equity2
 Term APR* Amount** Pmt per $20,000
48 months 4.90% – 6.45% Up to 90% $460.20-$476.26
60 months 5.24% – 6.78% Up to 90% $380.10-$396.07
72 months 5.34% – 6.78% Up to 90% $325.68-$340.70
84 months 5.39% – 7.37% Up to 90% $286.73-$307.28
96 months 5.39% – 7.37% Up to 90% $257.27-$278.01
120 months 5.64% – 7.89% Up to 90% $218.75-$243.03
180 months 5.88% – 6.95% Up to 90% $167.74-$180.23


*APR-Annual Percentage Rate:  Some restrictions may apply. Rates are subject to change weekly without notice and loans are subject to approval. Other rates and terms available. Contact a loan officer for complete details and disclosures.
**Loan amount is a percentage of the current appraised market value.
1 – HELOC – Monthly:  Upon approval, additional closing costs are paid by the member. This plan has a variable rate feature, meaning that the APR may vary after the account is opened, and the APR and minimum payment may change as a result. The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The APR can change monthly on the first of day of each month. There is no limit on the amount by which the APR can change during any one year period. The maximum APR that can apply is 10.0% or the maximum permitted by law, whichever is less.  However, under no circumstances will the APR go below 4.00% at any time during the term of the plan.Minimum Payment Example:  If you made only the minimum monthly payment and took no other credit advances it would take 6 years to pay off a credit advance of $10,000 at an APR of 4.00%. During that period, you would make 72 payments of $157.00 and one final payment of $156.69.
2-Fixed Rate Home Equity:  The interest rate in effect at the time of the loan is fixed for the term selected. All closing costs are the responsibility of the member. If there is no Escrow account associated with the property, one will be required as per federal law with the initiation of the loan.Membership is established by maintaining $5 in a share/savings account with USFCU.
Home Equity Early DisclosureWhat You Need to Know About Home Equity Lines of Credit.