1. Annual Percentage Rates (APR) accurate as of the date listed above and are subject to be canceled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. Stated rates are for a Fixed-Rate Home Equity loan with a maximum 90% Loan-To-Value (LTV) in 1st lien position. APR and loan amount are determined by an evaluation of applicant credit, collateral valuations, length of term, and other considerations. Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. $400,000 maximum 1st lien loan amount with a maximum 70% LTV. $300,000 maximum 2nd lien loan amount with a maximum 70% LTV. Loan must be secured by a member’s primary residence or non-rental secondary residence located within the State of New Jersey or Pennsylvania. Homeowners Insurance and Flood Insurance, if applicable, are required. Title insurance is required for loans over $250,000. Sample Monthly Payment: $9.41 for every $1,000 borrowed at 7.74% APR at 180 months (90% LTV). Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection or other available optional protection plans. Your payment may be higher. If the Home Equity Loan is paid and closed in the first 3 years, the borrower will be responsible for reimbursing First Harvest Credit Union for all third-party costs paid at closing. Offer is subject to cancellation or change without notice. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Housing Lender.

2. Annual Percentage Rates (APR) effective as of the date listed above and are subject to be canceled, extended, or changed without notice. Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate – 50 basis points. Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points. Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $250,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing.
– Minimum Rate Payment Example: If you took a single $10,000 credit advance at 3.50% APR and made only the monthly payment, it would take you 20 years to pay off your HELOC. During that period, you would make 239 payments of $58.01 and 1 payment of $57.32.
– Maximum Rate Payment Example: If you took a single $10,000 credit advance at 18.00% APR and made only the monthly payment, it would take you 20 years to pay off your HELOC. During that period, you would make 239 payments of $154.43 and 1 payment of $147.79.

3. Must use promo code FF100 to qualify for offer. Existing members of First Harvest Credit Union are not eligible for the referral bonus if being referred by an existing member for a loan product. Referring member must have an account with First Harvest Credit Union for 3 months or more. Referring member will receive $100 deposited into their savings account. Referred member will receive $100 credited towards their qualifying loan payment. All bonuses tied directly to the application and disbursement of the above mentioned titled loans are dependent on and subject to credit approval. Should either party not receive a bonus, it may be that the referred member’s application may have been denied or that member did not accept the conditional approval terms. Accounts must be in good standing in order to receive the referral bonus or the first month’s payment. This offer may be canceled or withdrawn at any time. Limit of two bonuses per member. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax advisor.