*Annual Percentage Rate (APR) accurate as of 3/10/15. Rates and terms may change at any time and vary by loan amount. APR valid for first 12 monthly billing cycles, then rate changes to Prime -.25%, variable monthly for remaining life of the line (Prime Rate as published in The Wall Street Journal preceding the start of each monthly billing period; current prime rate is 3.25%). Min. APR 3.00%. Max. APR 16%. $10,000 min. line amount, $10,000 min. draw required at closing. $50 annual fee waived with automatic payment from a St. Mary’s checking account. If a line of credit agreement is paid in full and closed within 3 years of activation, you may be required to reimburse St. Mary's Bank for any closing costs paid on your behalf, estimated to range between $700 - $1,100. 1-4 family owner-occupied primary residences only. Combined Loan-to-Value (CLTV) up to 85% for credit scores of 730 and above and St. Mary’s Bank holds the 1st mortgage; up to 80% CLTV when St. Mary’s Bank does not hold the 1st mortgage. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Applications subject to credit approval. Other rates and terms (up to 180 months) available. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $75 discharge tracking fee. | **Consult your tax advisor | St. Mary’s Bank is a member-owned credit union. Membership open with purchase of one share of capital stock for $5. Federally insured by the NCUA.