APPLY NOW

*APR = Annual Percentage Rate.  Home Equity Line of Credit (HELOC) is 1.50% below Prime.  Prime rate as of April 1, 2007 was 5.25%.  Prime is a variable rate and is subject to change without notice.  HELOC maximum rate is 15%.  Automatic payments required from Palisades Federal Credit Union (PFCU) checking account.  All closing costs paid by PFCU when outstanding balance is at least 10% of the loan for the first three years.  If balance falls below 10% during the first three years, the rate will change to Prime minus .10%.  If the HELOC is closed before three years, you pay all closing costs. Cost per $1,000.00 over 180 months on a HELOC of $100,000.00 using the rate of 3.50% is $7.13.  Existing PFCU loans may not be refinanced under this offer. Consult your tax advisor for the tax advantages of a HELOC.