*APR=Annual Percentage Rate. To qualify for this special 2.75% APR, the LTV has to be 80% or below and the credit score has to be 650 or higher. Special introductory rate for the new Equity Lines of Credit adjusted according to each member’s credit history, so the introductory rate may differ. This rate will expire 6 months from the date your loan closes. The rate will then return to a variable rate based on prime rate as published in The Wall Street Journal the last work day of every quarter (currently 5.25% APR). Maximum APR is 18%.