Enjoy No Closing Costs*

Make your plans and apply now for your Apple FCU Home Equity Line of Credit! Whether you’re refreshing your home, zapping outstanding debt or planning for a wedding, the possibilities are endless!

• Rates as low as 2.99% APR^**(then 3.99% - 18.00% Variable APR)
• 10-year draw period, up to 20-year repayment
• INTEREST-ONLY PAYMENTS available for 10 years
• Local underwriting for fast approval
• No pre-payment penalties or annual fees.

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^*APR = Annual Percentage Rate. Offer ONLY available for NEW HELOCs closed between 11/01/2021 and 11/30/2022. Advances made between 11/01/2021 and 12/31/2022 will be locked at the promotional rate of 2.99% until 12/31/2022. Your promotional rate will be adjusted on 01/01/2023 and the new variable rate will be applied to the outstanding balance. Your promotional rate will not be adjusted until 01/01/2023. If your account becomes delinquent at any time during the promotional period, you will forfeit these promotional terms and the APR on the outstanding balance will be increased to the appropriate quarterly rate offered at that time as disclosed in your original note. On 01/01/2023, the APR will be adjusted to either your floor rate or the Prime Rate as published in the Wall Street Journal (whichever is higher) on 12/21/2022 plus or minus your current margin on the outstanding balance and will be subject to change each quarter thereafter as stipulated by your original terms and conditions. Your margin is determined by credit score. Maximum interest rate 18.00% APR. Advance amounts must be within your existing credit limit. Advances in excess of your current credit limit will not be honored and may be subject to additional fees. If you had an outstanding balance of $10,000 during the 10-year Draw Period, the minimum monthly interest only payment at the maximum APR of 18% would be approximately $150.00. Maximum loan amount for a HELOC is $250,000, with a maximum combined loan to value ratio of 90%.

^**Pay no closing costs on any new HELOC. Your settlement statement at closing will reflect closing costs; however, you will receive a credit equal to the amount of the closing costs. In order to qualify for the promotion the member must use the title company selected by Apple FCU. Member must still pay the appraisal fee if a full appraisal is required. Members who increase their existing HELOC by applying for a new HELOC will also qualify, with a minimum increase of $5,000. No closing costs offer is valid for one time use during any 12 month period.

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-788-4800 or 800-666-7996 regarding the locations where HMDA data may be inspected.