Credit Score730+729-690689-670669-640639-620619 & less
6-Month Introductory APR1.99%1.99%1.99%1.99%NANA
Non-introductory APR (70% or less CLTV)4.50%4.50%4.50%4.75%NANA
Non-introductory APR (71%-80% or less CLTV) 4.50%4.50%4.75%5.75%NANA
Non-introductory APR (81% or less CLTV)5.00%5.00%5.25%5.75%NANA
APR=Annual Percentage Rate. Introductory APR is fixed for the first six (6) months of your newly opened Home Equity Line of Credit (HELOC). Introductory APR available for HELOCs applied for and originated by June 30, 2017. Existing Columbia CU Home Equity Lines of Credit (HELOCs) are not eligible for this promotion. Introductory APR is available only on primary residences. Non-introductory APRs are variable and are based on the Wall Street Journal Prime Rate (as quoted on the 10th business day before the end of the preceding quarter) plus a margin ranging from 0.75%-2.00% depending on your creditworthiness and combined loan-to-value (LTV). The minimum lifetime APR is 4.00% and the maximum lifetime APR is 15.00%. No annual fee the first year, thereafter $50. Typical closing costs range from $90-$1,050 and $400 (other than appraisal, if required) is waived. Good news! If your line is $100k or less and you’re not paying off an existing lien (like a 2nd or HELOC elsewhere), your new Columbia CU HELOC will likely have no-closing costs! Columbia CU HELOCs are subject to application and credit approval. Please consult your tax advisor regarding tax deductibility of interest and charges. Homeowner’s insurance is required. Introductory APR offer is subject to change and may end without notice.