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Home Equity Line of Credit Rates for May 2022

Type of LoanIntroductory APR1(Variable4 Rate 6 months)APR1 (Variable4 Rate)Term (Months)
(Approximate)
Amount
Financed
Payment Example
$ per 1000
Any Purpose HELOC - Prime - 0.25(margin)
0.00*
3.503100%N/A

Credit Union membership is required with a $1 minimum deposit.

1 - Annual Percentage Rate

3 - Variable rates may change monthly based on the applicable margin and index.

4 - Variable rates may change monthly, on the first of each month, based on the applicable index and margin. The index is determined by using the Prime Rate as advertised in the Wall Street Journal as of the 15th of the previous month. The margin is 0.25%.

Amount financed may vary due to credit worthiness and property location.

*Minimum initial advance of $15,000 required for introductory rate and waiving of closing costs. Offer for new Home Equity Lines ONLY, refinancing of existing Visions debt not allowed.

The minimum payment may not fully repay the principal that is outstanding on your account. At the end of the 20 year repayment period you will be required to pay the entire balance in a single "balloon" payment.

Visions will not subordinate or agree to the assignment of any oil/gas/mineral rights lease to a third party.

Payments referenced do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

You may be required to pay certain fees to third parties to open a Fixed Rate Home Equity or Home Equity Line of Credit. These fees generally total between $625.00 and $4,875.00. If you ask we will provide you with an itemization of the fees you will have to pay to third parties. Certain fees may be considered a finance charge. Proof of home owner's insurance is required. Flood Insurance may be required. Escrow accounts may be required.

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