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Home Equity Loans

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Home improvement special

Use the equity in your home for your projects. Plus, No Payment for 90 Days or enjoy 1.99% APR for 6 months.*

Home Equity Loan:

Only need a quick infusion of cash to complete your project? Opt for a one-time home equity loan. With a fixed-rate and set term, your payment will stay the same each month.

Home Equity Line of Credit:

Looking at a longer-term project? Maybe a home equity line of credit is the better option. Open your line and borrow cash as you need it. It has a competitive variable rate, plus you can keep your line open for up to five years.


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Credit Union of Ohio's NMLS # 704953

Amber Stillings #744518
Ashly Price #1485260
Chevella Meadows #1601069
Cindy Walker #1959062
Deanna Kovacs #2212956
Debra Rider #1146865
Donna Webb #1031998
Evangelina Winfield #1675251
Jennifer Hatfield #541978
Jocelyn McCandlish #1485427
Karolyn Stephens #1959632
Shannon Massey #1425125

*Annual Percentage Rate designated as APR. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. The 6-month introductory period begins on the loan closing date. After the introductory period, the loan reverts to the APR as stated in the HELOC agreement. The APR is the sum of the index plus margin. The maximum/minimum APR that can be imposed is 18.00%/1.99%. During the Draw Period, your Minimum Periodic Payment will equal 1.50% of your then outstanding balance as of the close of each billing cycle subject to the lesser of $100 or your account balance, plus any portion of the minimum payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds your maximum credit limit. After the Draw Period ends, you will no longer be able to obtain credit advances and you must repay your outstanding account balance (the Repayment Period). The length of the Repayment Period will depend on the date and the amount of your last advance but in no event will exceed 120 months. During the Repayment Period, your Minimum Periodic Payment will be calculated in the same manner as the Draw Period. Paying only the Minimum Payment may not be sufficient to fully amortize your unpaid account balance by the end of the repayment period, in which case you will be required to pay your entire remaining account balance in a single balloon payment on the Agreement Maturity Date. The minimum line of credit is $5,000 and the minimum draw amount is $100. Home Equity Loans will not exceed a loan to value of 90%. A home equity line of credit is secured by a first or second mortgage lien on your primary residence only. Flood and/or property hazard insurance may be required. Other restrictions may apply. See Credit Union of Ohio for complete details. Credit Union of Ohio reserves the right to end the promotion at any time and without notice.

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