Unlock the Equity in Your Home Flexible funds for what matters most D 5020 100 Rates as low as 5.99% APR* for 12 months No Closing Costs+ Minimum Payments Interest-only during draw period Revolving Credit Limit Draw funds as needed Ask your member service representative or apply online at scientfcu.org/heloc *APR = Annual Percentage Rate. 10-year draw period. Promotional rate will apply for 12 months from lean opening date. After that period, rate will increase to a variable rate of interest as low as Prime Rate minus .50% OR floor of 4.00%, whichever is greater. After promotional period, rate will never go below 4,00% and will never go above 18.00%. As of December 18, 2024, Prime Rate is 7.50%. Owner-occupied Primary Residences only Up to 80% Total Loan-to-value for qualified loan. $250,000 maximum. All loans are subject to credit approval. Your overall creditworthiness may determine interest rate and line amount available to you. +Fees and charges may apply If you close your HELOC account within 24 months after it is opened, you will be required to promptly repay Scient the Third-Party Closing Costs. Offer valid from September 9, 2024and maybe canceled at any time without notice. +Fees and charges may apply Existing Scient home equity lines/loans are not eligible for refinance with this promotion. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender. $ SCIENT Federal Credit Union Unlock the Equity in Your Home Flexible funds for what matters most D 5020 100 Rates as low as 5.99 % APR * for 12 months No Closing Costs + Minimum Payments Interest - only during draw period Revolving Credit Limit Draw funds as needed Ask your member service representative or apply online at scientfcu.org/heloc * APR = Annual Percentage Rate . 10 - year draw period . Promotional rate will apply for 12 months from lean opening date . After that period , rate will increase to a variable rate of interest as low as Prime Rate minus .50 % OR floor of 4.00 % , whichever is greater . After promotional period , rate will never go below 4,00 % and will never go above 18.00 % . As of December 18 , 2024 , Prime Rate is 7.50 % . Owner - occupied Primary Residences only Up to 80 % Total Loan - to - value for qualified loan . $ 250,000 maximum . All loans are subject to credit approval . Your overall creditworthiness may determine interest rate and line amount available to you . + Fees and charges may apply If you close your HELOC account within 24 months after it is opened , you will be required to promptly repay Scient the Third - Party Closing Costs . Offer valid from September 9 , 2024and maybe canceled at any time without notice . + Fees and charges may apply Existing Scient home equity lines / loans are not eligible for refinance with this promotion . This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender . $ SCIENT Federal Credit Union