Federally insured by NCUA. Equal Housing Lender. (1) APR = Annual Percentage Rate. Loans subject to credit approval. Rates/terms subject to change prior to consummation of the loan. Home Equity Line of Credit is a variable rate loan with a maximum APR of 18%. Available in FL, GA, NC, OH, SC, TN and VA only. (2) No closing costs if loan is not paid off and closed within 24 months. No closing costs not applicable in Georgia. Appraisal fees may apply if appraisal is ordered and loan does not close. Up to $400 in closing costs paid on residential property in SC. (3) Speak with a tax advisor for details.