1. APR=Annual Percentage Rate as low as 5.06%. This is an interest-only HELOC (10 years interest only), your payments cover only the interest, and your principal balance will not decrease. After this period, payments will include both principal and interest and may be higher. Offer available for new CU SoCal HELOCs or refinance existing HELOC. The introductory discounted rate 3.99% (intro rate) is fixed for the first 6 months. After the introductory rate period, your rate will adjust to the prime index plus a margin or 4.00%, whichever is higher, subject to a maximum rate of 16%. The promotional rate is not based on the index plus the applicable Margin. Intro 3.99% rate does not apply to subsequent credit limit increases or refinances. Minimum credit line amount to obtain promotional rate is $10,000 with a minimum required monthly payment $74.00. All closing cost are included in the loan except the appraisal fee which will be collected upfront. Borrow up to $250,000 at 80% loan to combined loan to value (CLTV) or up to $500,000 at 70% combined loan to value (CLTV). HELOC is only available on owner-occupied California properties including single-family residences, condominium and two to four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowner insurance. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder. Not all applicants will qualify. Higher rates may apply depending on credit qualification. Maximum loan amount is subject to credit qualification and appraised property value. Promotional rate is effective November 18, 2024, and is subject to change without notice. Loan must fund within 30 days from application date. NMLS #454788.