¹Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. Published rates are based on approved credit and combined loan-to-value and are adjusted monthly based on the highest Prime Rate. To determine the APR that will apply to your line of credit, we will add a margin to the value of the index if above 80% LTV. Each Home Equity Line of Credit (HELOC) closed during the promotional period will pay no closing costs. Appraisal fees do not apply to the no closing costs offer. To qualify for the offer, applications must be completed by July 31, 2020 and close no later than August 15, 2020. To obtain an EFCU loan, you must have or open an EFCU membership and maintain a minimum deposit of $25. ²All Home Equity Lines of Credit opened during the promotional period will qualify for one $100 gift card to a local restaurant of credit union’s choice: Machi’s Saloon & Grill, Matties Taphouse and Grill, Dreez, The Star, Coffee Mug, or Luciano’s. EFCU will issue the gift card to the borrower once the line of credit has been approved. Borrowers who open a HELOC during the promotional period will be entered for a chance to win the grand prize $500 gift card to a local retailer of credit union’s choice: Indigo or Real Deals. Grand prize winner will be notified by the credit union no later than August 31, 2020. Subject to change without notice and at the sole discretion of the credit union. See credit union for complete details. Federally Insured by NCUA