Home Equity Rates :: Rates :: Horizon Credit Union

HomeEquityLoanRates

All rates are based on credit quality, yours may be different. Loan rates current as of 05-04-2012 . Please call 800-852-5316 for current rates.

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HOMELINE FLEX*

APR^ Indexed Rate

Home Equity Line of Credit First deed of Trust As Low As 4.49% As Low As 3.75%

Home Equity Line of Credit Second Deed of Trust As Low As 5.24% As Low As 4.25%

^changes quarterly

		APR^	Indexed Rate
Home Equity Line of Credit	First deed of Trust	As Low As 4.49%**	As Low As 3.75%**
Home Equity Line of Credit	Second Deed of Trust	As Low As 5.24%**	As Low As 4.25%**
		^changes quarterly

* There is a $50 annual fee for the variable interest rate Home Equity Line of Credit. A $75 transaction fee applies when switching from a variable interest rate to a fixed rate. Your loan balance must be a
minimum of $5,000 to qualify for a switch to a fixed rate loan. Origination and closing fees are waived so long as your account remains open for 2 or more years. If you close your account within two years,
assuming a $50,000 line of credit, you will pay a 1.00% origination fee of $750 plus an estimate of $853.75 in other fees for a total of $1,353.75 in estimated fees.

**APR = Annual Percentage Rate. Variable Rate. APR as low as 4.49% APR 3.75% indexed rate for a 1st DOT or 5.24% APR 4.25% indexed rate for a 2nd DOT. Rates may adjust quarterly. The APR will never be lower than 4.49% or higher than 9.75% for a 1st DOT or lower than 5.24% or higher
than 10.25% for a 2nd DOT. The fully indexed rate is only in effect when the index plus margin is greater than the floor on your account.

All rates and payments above are shown for example only. Subject to change without notice. OAC. Other restrictions apply. Membership required. See Horizon Credit Union for more details.

HOMEFREE FLEX

APR Indexed Rate

HomeFree FLEX Initial Advance As Low As 3.375% Fixed* N/A

Line of Credit As Low As 4.49 ^ 3.25%

^changes quarterly

		APR	Indexed Rate
HomeFree FLEX	Initial Advance	As Low As 3.375% Fixed*	N/A
	Line of Credit	As Low As 4.49** ^	3.25%**
		^changes quarterly

APR = Annual Percentage Rate. If you close your account within two years, you must reimburse us for third-party costs that we incur. Assuming a $125,000 loan, this is estimated at $853.75.

*Fixed mortgage refers to the initial advance on an open-end home equity line of credit. Assuming a $125,000 initial advance with a fixed rate of 3.375%, you would make 120 payments at $1,250.81.

**This loan also includes a corresponding line of credit that is available for use. HELOC variable rates as low as 4.49% APR 3.25% Fully Indexed Rate (Changes quarterly). The fully indexed rate is only in effect on the variable rate line of credit when the index plus the margin is greater than the floor on your account. The APR will never be lower than 4.49% or higher than 9.25%.

All rates and payments above are shown for example only. Subject to change without notice. OAC. Other restrictions apply. Membership required. Minimum loan amount of $50,000.00, Maximum LTV of 70%, First Deed of Trust only. See Horizon Credit Union for details.

HOMELINE FLEX FOR MANUFACTURED HOMES*

		APR^	Indexed Rate
Home Equity Line of Credit	First deed of Trust	As Low As 4.49%**	4.25%**
Home Equity Line of Credit	Second Deed of Trust	As Low As 5.24%**	4.75%**
		^changes quarterly

* There is a $50 annual fee for the variable interest rate Home Equity Line of Credit. A $75 transaction fee applies when switching from a variable interest rate to a fixed rate. Your loan balance must be a
minimum of $5,000 to qualify for a switch to a fixed rate loan. Assuming a $50,000 line of credit, you will pay a 1.50% origination fee of $750 plus an estimate of $853.75 in other fees for a total of $1,603.75 in estimated fees.

**APR = Annual Percentage Rate. Variable Rate. APR as low as 4.49% APR 4.25% indexed rate for a 1st DOT or 5.24% APR 4.75% indexed rate for a 2nd DOT. Rates may adjust quarterly. The APR will never be lower than 4.49% or higher than 10.25% for a 1st DOT or lower than 5.24% or higher than 10.75% for a 2nd DOT. The fully indexed rate is only in effect when the index plus margin is greater than the floor on your account.

All rates and payments above are shown for example only. Subject to change without notice. OAC. Other restrictions apply. Membership required. Loans secured by manufactured homes must be real property. See Horizon Credit Union for more details.

HOMEFREE FLEX FOR MANUFACTURED HOMES*

		APR	Indexed Rate
Home Free Flex	Initial Advance	As Low As 3.875% Fixed*	N/A
	Line of Credit	As Low As 4.49%**^	3.75%**
		^changes quarterly

APR = Annual Percentage Rate. If you close your account within two years, you must reimburse us for third-party cots that we incur. Assuming a $125,000 loan, this is estimated at $869.72.

*Fixed mortgage refers to the initial advance on an open-end home equity line of credit. Assuming a $125,000 initial advance with a fixed rate of 3.875%, you would make 120 payments at $1,258.20.

**This loan also includes a corresponding line of credit that is available for use. HELOC variable rates as low as 4.49% APR 3.75% Fully Indexed Rate (Changes quarterly). The fully indexed rate is only in effect on the variable rate line of credit when the index plus the margin is greater than the floor on your account. The APR will never be lower than 4.49% or higher than 9.75%.

All rates and payments above are shown for example only. Subject to change without notice. OAC. Other restrictions apply. Membership required. Minimum loan amount of $50,000.00, Maximum LTV of 70%, First Deed of Trust only. Loans secured by manufactured homes must be real property. See Horizon Credit Union for details.

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