Home Equity

1 APR is annual percentage rate and is accurate as May 09, 2026. APR noted applies to combined loan to value less than 80%. Introductory HELOC available for new lines only; existing Alltrust Credit Union Home Equity Loans or Home Equity Lines of Credit cannot be refinanced for this promotion. After the introductory period, the APR may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) minus a margin. After the introductory period the rate will be set at Prime minus 0.50%; maximum APR will not exceed 18.00% or be less than 4.00%. Minimum $35,000 draw required at closing and must be maintained for 180 days to receive Introductory rate. Consult your tax advisor regarding the deductibility of interest. To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $100.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. Borrower will pay all fees related to this review and recording. Appraisal fees are generally between $350-$850 depending on property and appraisal type. Legal fees generally total between $0 and $500. Minimum line amount $35,000. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice. Rates may change at any time without notice.

2 APR is annual percentage rate and is accurate as May 09, 2026. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. APR noted applies to combined loan to value less than 80%. APR may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) minus 0.500%; maximum APR will not exceed 18.00% or be less than 6.00%. Minimum line amount $35,000. Maximum line amount $175,000. Consult your tax advisor regarding the deductibility of interest. To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $100.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. Borrower will pay all fees related to this review and recording. Appraisal fees between $350-$850 may be required depending on comparison of estimated market value to actual market value. Legal fees generally total between $0 and $500. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice. Rates may change at any time without notice.

3 APR is annual percentage rate. Note rate is accurate as of May 09, 2026 and requires auto pay from an Alltrust Credit Union checking account. APR on note rate reflected is 6.00% based on a loan amount of $35,000 with a combined loan to value up to 80%. Rate is fixed for the first 5 years at $8.44 per $1,000 borrowed then adjusts every 6 months to the 30-day average SOFR index plus 3.00%. 180-month term. Minimum 700 or greater FICO score required. Maximum 45% debt to income ratio. Payment does not include taxes and insurance premiums therefore payment obligation will be greater. Real Estate Taxes and Property insurance is required. Flood insurance where required by law. Borrower responsible for real estate taxes and property insurance. All loans are subject to credit approval. Other rates and terms available. Rates may change at any time without notice.