Advertised Introductory 2.75% Annual Percentage Rate (APR) is the lowest available and is fixed for the first 12 months. Offer applicable for applicants with a credit score of 700 or higher. After initial 12 monthly billing cycles, rate becomes variable based on Prime, with a floor of 4.00% (5.50% APR as of 12/21/2018). Interest rate and line amount determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. APR will not exceed 21% or fall below 4.00%. No annual fee for first year, then $50 per year. Existing PCU home equity lines/loans are not eligible for refinance with this promotion. Equal Housing Lender.

3.875% Annual Percentage Rate (APR) available for qualifying properties with a loan-to-value (LTV) of 80% or less, and a repayment period of 60 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 12/21/2018). Other rates and terms available. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Repayment example: $18.37 per $1,000 borrowed, based on 3.875% APR, 60 monthly payments. Equal Housing Lender.