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Home Equity

Fall Heloc

Fall is the perfect time!

And, our Prospectors Home Equity Line of Credit is the RIGHT CHOICE. Now… just before the holiday season… is a great time to update your kitchen or family room. Our “Member’s Choice” HELOC offers a great money saving fixed rate as low as 2.99% APR* for 12 months or as low as 3.25% APR* for 18 months. Your choice! Ask us today… We’ll Show You the Savings.

In some cases, interest paid on Home Equity loans may be used as a tax deduction, however the 2018 Tax Cuts and Jobs Act (TCJA) has restrictions on mortgage-based interest deductions. Consult a tax professional regarding your mortgage deduction options. Our current rate as of October 1, 2020 is 3.50% APR. PFCU HELOC’s are variable rate loans. Their rate is tied to the Prime Lending Rate. After the initial promo period the rate will adjust to the then current fully amortized rate for the borrowers’ underwritten index.

*Terms and Conditions: This promotional offer cannot be combined with other rate reduction programs or promotions. Minimum advance to qualify for the ‘fixed rate’ intro period HELOC is $20,000. This offer is not a guarantee of credit. Credit may not be extended if: minimum credit score and payment criteria cannot be met; applicant is delinquent on a loan; we are unable to verify applicant’s income or employment; applicant’s income in our opinion and according to our established criteria is not sufficient to pay the amount requested; the collateral does not meet our lending guidelines.

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