APR represents Interest rate. Introductory APR of 4.99% APR is only for variable-rate advances of brand-new HELOC Flex and HELOC Plus home equity lines of credit products made within the first six months from the Disbursement Date (the date your credit line is developed and available for advances) of the new home equity line of credit item. Your HELOC Flex or HELOC Plus application need to be gotten in between 6/10/2025 and 9/10/2025 for this Introductory APR to use. If the loan is paid out after the very first of the month, the count of the six-month intro duration starts on the very first of the following month. After expiration of the Introductory APR term and on the first calendar day of the seventh month following the loan Disbursement Date, balances will be charged the variable APR from 7.50% APR - 18% APR based upon credit reliability and loan-to-value (LTV); your rate may vary from the rate shown here. The APR for variable advance(s) will amount to the Prime Rate as published in the last issue of the Wall Street Journal on the last day before the present calendar month, plus a margin. Margin is based on LTV and creditworthiness. There is no needed minimum advance amount for a variable rate advance and no limitation of advances. All advances go through available credit and can just be made up to your approved credit limitation. The minimum line of credit quantity to open is $5,000. The regular monthly payment might differ. The maximum APR is 18% and Maximum LTV is up to 90%. PSECU might terminate this introductory rate offer at any time and without notification.

1PSECU representatives can not give tax recommendations. Please speak with a qualified tax advisor to figure out if interest may be tax deductible.

2HELOC Flex: Rates "as low as" 7.50% APR presumes excellent credit reliability; your rate might vary from the rate(s) shown here. Rate and loan amount topic to credit approval. The APR for a variable advance(s) will amount to the WSJ Prime Rate as released in the last problem of the Wall Street Journal on the last day before the present calendar month or the WSJ Prime Rate integrated with a margin. For loan-to-value (LTV) as much as 80%, the APR for a variable advance(s) amounts to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for a variable advance(s) is WSJ Prime Rate combined with a margin. There is a 10-year advance duration with a 20-year amortized repayment duration based on the principal balance when the repayment duration begins. There is no needed minimum advance quantity for a variable-rate advance and no limit of advances. All advances undergo offered credit and can only be made up to your authorized credit limitation. The minimum line of credit quantity is $5,000. The monthly payment might vary. The optimum APR is 18%.
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3HELOC Plus: Rates "as low as" 7.50% APR presumes exceptional creditworthiness; your rate might vary from the rate(s) shown here. Rate and loan amount topic to credit approval. The APR for variable advance(s) or repaired advance(s) will be equal to the WSJ Prime Rate as published in the last concern of the Wall Street Journal on the last day before the existing calendar month or the Prime Rate integrated with a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equivalent to the WSJ Prime Rate. For an LTV higher than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate integrated with a margin. For LTV as much as 90%, the APR for repaired advance(s) is equal to the WSJ Prime Rate integrated with a margin. Fixed Advance(s) are figured out at the time of the advance. There is a 10-year advance period with a 20-year payment period (5-year advance duration with a 10-year repayment period on rental residential or commercial properties) from the date of the last advance. The minimum credit line advance for a fixed rate advance is $5,000 with a limitation of three repaired rate advances exceptional at one time. There is no needed minimum advance amount for a variable rate advance and no limitation of advances. All advances are subject to offered credit and can just be made up to your authorized credit limit. The minimum credit line amount is $5,000. The month-to-month payment may vary. The optimum APR is 18%.

4Real Estate Equity Loan: Rates "as low as" 5.940% APR assumes outstanding credit reliability; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum loan quantity is $5,000. Loan rates, terms, and details undergo change at any time. Fixed-rate Realty Equity loans are offered for primary houses, 2nd homes and investment residential or commercial properties. Payment example: a 5.940% repaired APR looks for a 60-month term and LTV approximately 80% for a monthly payment of $19.31 per $1,000 . For a LTV greater than 80% as much as 90% the repaired APR is 6.690% for 60 months for a regular monthly payment of $19.66 per $1,000 obtained. A 6.140% fixed APR obtains a 120-month term and LTV as much as 80% for a monthly payment of $11.18 per $1,000 obtained. For a LTV greater than 80% up to 90% the fixed APR is 6.890% for 120 months for a monthly payment of $11.56 per $1,000 obtained. A 6.640% repaired APR applies for a 180-month term and LTV up to 80% for a regular monthly payment of $8.80 per $1,000 obtained. For a LTV higher than 80% as much as 90% the repaired APR is 7.390% for 180 months for a regular monthly payment of $9.22 per $1,000 borrowed. A 7.740% fixed APR requests a 240-month term and LTV approximately 80% for a month-to-month payment of $8.21 per $1,000 borrowed. For a LTV higher than 80% approximately 90% the repaired APR is 8.490% for 240 months for a regular monthly payment of $8.68 per $1,000 obtained. Payment amounts shown are representative of principal and interest just and do not consist of taxes and insurance coverage, if relevant; therefore, actual payment might be greater and differ from those revealed.