*Advertised introductory “Annual Percentage Rate (APR) of 2.74% is the lowest available and is fixed for the first 12 months. Offer based on individual’s credit worthiness and subject to loan to value (LTV) of 80% and a minimum credit score of 680. After the initial 12-month billing cycles, the rate automatically reverts to a variable rate of interest as low as Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance, if applicable) are required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 18%. If Home Equity Line of Credit is paid in full and closed within twelve (12) months from the opening date, a prepayment penalty may apply. RI: up to but not to exceed 2% of the balance due at time of payoff; MA: remaining balance of first year’s interest or amount equal to last 3 months’ interest; whichever is less. Existing GCU Home Equity Lines Credit are not eligible for refinance with this promotion. Other rates and terms are available. Inquire for full details. NMLS # 1184630
