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HELOCs As Low As 2.99% APR*

HELOCs As Low As 2.99% APR*

Fixed Rate Home Equity Loans As Low As 3.74% APR*

Apply today & pay no fees**

Home equity loans are for more than just your home! These versatile loans can be used to make home repairs and updates, assist you in purchasing a car, help pay for your tuition, consolidate your debt, and even pay for a future vacation. No matter your reason for getting a home equity loan, it’s here when you need it most.

Borrow up to 80% of the current market value of your home, less any outstanding liens. Contact your credit union loan officer or visit http://www.choiceone.org for complete details and current rates. Contact your tax advisor regarding the possible deductibility of interest. Sample loan payment for fixed rate home equity loan assumes a 4.74% rate calculated over 180 months. Sample loan payment for the adjustable rate HELOC assumes a 2.99% rate calculated over 240 months. Rates above are used for illustration purposes your rate may be higher and our rates are subject to change without notice.

*APR=Annual Percentage Rate. Rate shown are for qualified borrowers and are subject to change without notice. Rate shown for the Home Equity Fixed Rate includes a .25% discount for auto deduct from a Choice One share or share draft account. Rates shown for HELOC is a special introductory rate and in effect until December 31, 2019. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum Rate is 18.00%. Minimum Rate is 5.00%. Minimum monthly payment $100.00. The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period.

**No Closing Cost Promotion applies to first lien only. Closing costs will be reimbursed for the cost of originating your loan excluding any property tax or transfer fees. The Borrower agrees to reimburse the Lender the actual amount of bona fide third party fees paid on the Borrower’s behalf, as permitted by applicable law, if the loan is paid off within twenty four (24) months after consummation.

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