Home Equity Products

Members 1st Federal Credit Union Your rate may vary from what is listed. Your interest rate will be based on your credit score, LTV and
Term. All rates are expressed as Annual Percentage Rates and are subject to change without notice.
Loans Rates Effective:
04-12-2024
Home Equity Freedom Line of Credit Rates, as low as:
Variable Rate Loans
Home Equity The Home Equity Freedom Line of Credit permits borrowing up to 100% of the available equity in a primary residence within policy guidelines and APR Daily Periodic Rate
Freedom Line of excludes rental properties. During the ten (10) year draw the member will have the flexibility to make the minimum interest only payment each 8.50 % 0.02329
Credit month or add any principal amount they desire. All Home Equity Freedom Lines of Credit will have a due date of the 20th of the month. The
variable rate is adjusted monthly. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous
month plus a margin. The floor rate is 3.00%. The maximum rate is 18%. Your rate may vary from what is listed and will be determined by your
individual credit score and loan to value. APR listed is based on 80% Loan to Value and “A+” credit.
12 Months 24 Months 36 Months 48 Months 60 Months 84 Months 120 Months 180 Months
Home Equity Freedom Fixed Term Lock In 5.74% 5.74% 5.74% 5.74% 5.74% 5.99% 5.99% 6.74%

12 Months 24 Months 36 Months 48 Months 60 Months 84 Months 120 Months 180 Months 240 Months

Home Equity Loan Up to 100% Equity 9.99% 9.99% 9.99% 9.99% 9.99% 10.24% 10.24% 10.99% 13.99%
Home Equity Loan Up to 80% Equity 5.74% 5.74% 5.74% 5.74% 5.74% 5.99% 5.99% 6.74% 9.74%

First Mortgage * Home Equity Loan and Interest Only Freedom Line of Credit rates are for primary residences located in Pennsylvania or
Maryland only. Your rate may vary from what is listed and will be determined by your credit scores and Loan-to-Value. Minimum
loan amount of $5,000 required.
First Mortgage rates are subject to change
on a daily basis. Loans may be subject to other terms and conditions as well. All loans are subject to credit approval.

Rates are posted daily (Monday through We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
Friday, except holidays) on our Web site at
http://www.members1st.org Apply online at http://www.members1st.org or at your local branch.