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*Rate shown of .99% Annual Percentage Rate (APR) is for the first six months and requires an Intelligent Checking account with direct deposit. 1.39% without Intelligent Checking account. After the first 6 months, the rate will be adjusted to Prime minus 1.00% (currently 4.25%, as published in the Wall Street Journal, Eastern Edition, on the last business day of each month), or a floor rate of 3.50% APR, (whichever is greater), not to exceed 18.00% APR. Home Equity line minimum is $10,000.00 and has a 10 year draw period with a payment period of 15 years. During the draw period, minimum payments of interest due only are required. You may pay more on principal at any time. During the repayment period, monthly principal and interest payments required to fully pay off by the end of the repayment period. Approval and closing subject to verification of income, credit history and property valuation. Offer applies to owner-occupied primary residences only. Loans over 80% loan-to-value will be subject to higher rates. Homeowners Insurance required. Consult your tax advisor regarding the deductibility of interest. Rates and terms are subject to change without notice; this offer may be withdrawn at any time. Certain restrictions may apply. Example: Equity line with minimum $10,000 balance, payment would be approximately $29.73 interest only based on 3.50% APR. Payment will vary based on average monthly balance. Rates effective November 1, 2017.