Available on primary residences in the state of MS, LA, AL and FL only. Membership and credit eligibility required. 1Discounted rate of 2.49% APR is for 6 months. This rate is available for borrowers with a credit score of 680 or greater. 2 Example: Monthly payments are approximately $206.37 for $30,000 borrowed at 5.50% APR for 20 years. 3 No closing costs on loans of $10,000 or more provided loan is not paid in full in less than 24 months from origination date. Acceptable property insurance required. The Home Equity Line of Credit annual percentage rate (APR) is based on the Wall Street Journal Prime Rate (the “Index”) plus a margin ranging between 0.0 and 2.0%. The Floor Rate will range from 3.0% to 5.0% APR dependent upon credit worthiness. The APR will vary quarterly but will not exceed 18% over the life of the loan. Based on the 2/11/19 Index value of 5.50% and a typical margin of 0.0%, the formula that will be used for subsequent monthly rate adjustments would result in a current APR of 5.50%. Repayment options will vary based on creditworthiness, loan-to-value percentages, and whether the mortgage securing your line is a first or second mortgage, and other factors.