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Existing Pawtucket Credit Union Spectrum Home Loans are not eligible for this promotion. 2.900% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 4/24/2020. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $8.24 per $1,000 borrowed, based on 2.90% APR, 144 monthly payments. Equal Housing Lender.