Looking to fund a home remodel, pay off high-interest debt, or take that dream vacation? Our HELOC offers better rates than most banks, with no appraisal or account opening fees*!

🔹 For a limited time, enjoy a 4.49% APR* promotional rate for the first 6 months after account opening.

🔹 After the promotional period, continue with a competitive variable rate at prime (currently at 7.50% APR as of 3/31/25).

🔹 No hidden margins.

🔹 Maximum loan rate is 13.50% APR.

🔹 Only borrow what you need – flexible access to funds.

EXCLUSIVE BONUS:

🏡 Open by August 15, 2025 and get a $100 Lowe’s Gift Card** to kickstart your project

Don’t miss this opportunity to take control of your finances with a smarter HELOC!

*APR = Annual Percentage Rate. The 4.49% APR is a promotional rate available for the first six (6) months from the date of account opening. After the promotional period ends, the APR will convert to a variable rate based on the Prime Rate, currently 7.50% APR as of March 31, 2025. The APR is subject to change and may vary based on market conditions. The maximum APR that may apply is 13.50%. Loan rates and terms will vary based on the creditworthiness of each applicant. Offer not available to members with an existing ECSFCU home equity loan. No appraisal or account opening fees apply. If the HELOC is closed within the first 24 months, the member will be responsible for reimbursing any third party fees paid on the member's behalf, which are estimated to range between $900 and $1,400. Other fees may apply. 10-year draw period. All loans are subject to credit approval and membership eligibility. Offer, rates, and terms are subject to change without notice.

**Bonus Offer: $100 Lowe’s Gift Card will be provided for active, approved HELOCs opened between May 15, 2025 and August 15, 2025. Card will be given physically upon signing. Limit one gift card per household. Offer may be changed or withdrawn without notice. Member is responsible for applicable taxes.