*APR=Annual Percentage Rate. All loans are subject to approval. Rates, terms and conditions are subject to change at any time and may vary based on credit worthiness, qualifications and collateral conditions. Estimated monthly payment of $10.13 per $1,000.00 borrowed at 3.99% APR for 120 months. Up to 80% Loan to Value. Minimum home equity loan amount is $5,000, new money. 3.99% interest rate INCLUDES the 3-star discount; otherwise interest rate is as low as 4.14%. Effective April 1 – June 30, 2017.