*Variable rate starts as low as Prime - 0.50% (floor rate is 5.00% APR). Qualified borrowers eligible for Prime - 0.50% over 10-year draw period with 15-year repayment. Applies to HELOC applications received 1/20/2026 - 3/31/2026. All applications subject to credit approval. Cannot be used for purchase money transactions, owner-occupied residences only. Advertised rate is available to applicants with credit scores greater than/equal to 740 with a minimum loan amount of $5,000 and a maximum of $250,000, with a loan to value (LTV) of 90% or less, and with an open Telhio checking account. APR will never be lower than 5% or higher than 18% APR during life of loan. Rate is a variable rate APR based on the current prime rate as published in the Wall Street Journal and will be subject to change monthly without notice. Use of the word "prime" does not mean that the rate is the best or lowest offered by any lender. To determine the annual percentage rate, we use the current prime rate minus 0.50% (subject to the minimum APR above) as of 1/12/2026 the Prime rate is 6.75%. No closing costs for loans up to $250,000. Additional fees may apply. No prepayment penalty, however, an early termination fee applies to open-end home equity lines of credit that are closed in the first 24 months after the loan was established. Prepayment penalties are equal to the amount of bona fide third-party fees paid by the credit union on your behalf as permitted by law. An annual fee of $85 beginning on the first anniversary date will apply. Proof of Property and Hazard Insurance is required. Contact Telhio credit union for additional terms and conditions. Consult your tax advisor regarding deductibility of interest. Telhio reserves the right to amend or suspend this program at any time.