Equity Loans: Fixed Home Equities and Variable HELOC’s

• 5, 10, and 15-year terms
• 10-year draw, 10-year payback HELOC’s
• Fixed monthly payments available
• Low-Interest Rates
• Appraisal costs will be reimbursed if the loan closes, otherwise charged to the member’s account.
• Tax Deductions

Fixed rate Home Equity Loan Disclosure Minimum loan amount is $10,000 and maximum loan amount is $300,000 for terms up to 180 months with loan to value up to 80%. Loans will be made against your primary residence, single family homes located in the state of CT. Property insurance is required. No closing cost apply. A Home Equity loan of $10,000 with a 5-year term at 3.99% APR* results in 60 monthly payments of approximately $18.41 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater. Please call Emmy for more information at (860) 246-5236 ext. 113. APR = Annual Percentage Yield

Variable rate HELOC Disclosure Maximum loan amount conditions and loan to value conditions may apply. Minimum loan amount is $10,000 and maximum loan amount is $300,000. Loans will be made against your primary residence, single family homes located in the states of CT. No closing cost apply. Property insurance is required. Home Equity Lines of Credit are variable rate loans. Your rate may vary and will be based on the Wall Street Journal Prime Rate, but it will not exceed 18.00% APR or be less than 3.25% APR. Please call Emmy for more information at (860) 246-5236 ext. 113. Prime = Wall Street Journal Prime Rate