Details for HELOC

Remodel My Kitchen. Consolidate My Loans. Finish My Basement. We’ve peeled back the rate on our 10-Year Fixed Rate Home Equity Line of Credit with rates as low as 4.49% APR1 now through Dec. 31, 2017. Plus, you’ll love these features: ■ Rate stays locked for life of loan ■ Five-year draw period ■ Borrow up to 90% of your home’s value2 ■ Application to funding as fast as 10 business days3 ■ No closing costs4 ■ No prepayment penalty Apply in a Snap at www.capcu.org/snap.5 255.0042 www.capcu.org It’s Not Just Business. It’s Personal. 1 Annual Percentage Rate based on top tier credit approval and 90% loan-to-value, less first mortgage balance, actual rates may vary between 4.49% – 12.00% based on credit qualifications. The rate displayed is a fixed rate. 120 monthly payments of $10.36 per $1,000 borrowed. This payment does not include amounts for taxes and insurance, actual payment obligation will be greater. Offer ends Dec. 31, 2017. 2Members can borrow up to 90% of their home’s value if the home is valued at $400,000 or less, 85% of the home’s value if the home is valued between $400,000 and $499,999, 80% of the home’s value for homes valued at $500,000 or greater, or 80% of the home’s value for investment or rental properties. 3Home equity lines of credit (HELOC) can be completed from application to funding in 10 business days or more. If an appraisal needs to be ordered it can increase the processing time. 4Applies to home equity loans/lines with $20,000 or more of new money borrowed. Does not apply to refinancing of existing Capital Credit Union home equity loans/lines or to interest-only home equity loans or to home equity loans with a designated closing cost amount. Capital Credit Union does not cover the cost of an appraisal (if needed) or Minnesota mortgage registry tax fees. All loan-to-values are less first mortgage balance. Offer valid 8/3/17 thru 12/31/2017. 5Based on credit qualifications, all loans subject to credit approval. Fees may apply. Credit will be pulled upon Snap submission. Other restrictions may apply. Federally insured by NCUA. NMLS# 423050.

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