*HELOC rates start at 9% APR (annual percentage rate), may be as much as 15.55% APR and are subject to change at any time. Lowest APR assumes a credit limit of $150,000, home equity combined loan to value (HCLTV) of 64%, and a FICO score of 780 or higher. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay an origination fee or discount points in exchange for a lower rate. Advertised rates will vary with Prime Rate (the index) as published in the Wall Street Journal. Advertised rates are current as of 07/27/2023 and are subject to change without notice. This is not a commitment to lend. **Minimum draw of $50,000 or 75% of credit limit (whichever amount is greater) must be taken at closing.