Loan rates are subject to change without notice. Actual Annual Percentage Rate (APR) may be higher based upon loan amount and selected terms. Loan calculated at variable rate of Prime + 1% APR for 80% or less Loan-to-Value (LTV) or Prime + 2% APR for 81%-90% LTV, or Prime + 3% APR for 91-100% LTV. Rates are subject to adjust monthly. Maximum APR is 18.00%. Minimum APR is Prime Rate. Maximum Line of Credit is $150,000, minimum is $10,000. Minimum credit score requirements apply on LTVs greater than 90%. Closing costs are waived — however, if the member closes the home equity within two years, they must reimburse UICCU for all fees involved with opening the home equity. Fees may range from $133 to $400. No annual fee. Offers not valid on existing UICCU loans. Disclosure information is accurate and effective as of 12/1/2014 and is subject to change. To inquire about changes in these disclosures, call toll free 877-678-4328. Other restrictions may apply. Subject to credit approval. All terms and conditions of this offer are subject to change at any time without notice.