5.50%

The Heloc account may adjust quarterly. The maximum adjustment per adjustment period is .50%, or 2.00% annually, based on our Index. The Index is the monthly average of the Six Month Treasury Bill Rate (Auction High) rounded up to the next .50%. The maximum rate under this plan is 5% above the indexed rate, or 18% APR, whichever is less.

FEES AND CHARGES:
You must pay certain fees to third parties to open the HELOC plan. These fees generally total between $0.00 and $1,000.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. There are no transaction fees to use this account, annual fees to keep it open, or any other fee associated with the use of this account.