Home Equity Line of Credit Special

VARIABLE RATE

HOME EQUITY LINE OF CREDIT

FIXED FOR 12 MONTHS


Take advantage of this limited time special and complete your project without worry. 

  • No closing costs
  • No appraisal fees
  • Plus get an additional 0.25% rate discount with automatic payments from a CSB checking account.


SEE CURRENT RATES

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12 month locked annual percentage rate (APR) is based on Prime Rate as published in the Wall Street Journal plus or minus a margin. Your margin is determined by your credit score, term of the loan, loan-to-value ratio (LTV), and credit line amount. On 10-10-17 the Prime Rate index was 4.25%. Your initial rate could range from Prime minus .50% to Prime plus 4.25% subject to a minimum floor of 3.75% and is guaranteed not to change for 12 months. After 12 months your APR will become variable based on your initial margin and will never exceed 18% or be less than 3.75% (the “floor”). There is a $75 annual fee, which is waived the first year. There is a termination fee of 2% of your line amount, not to exceed $400 if the line of credit is closed or rewritten within three years from account opening. Property insurance is required and flood insurance may be required. Approval subject to underwriting guidelines and is a limited time offer.