Home Equity

* PSECU is running an Introductory APR for variable-rate advances for HELOC Flex and HELOC Plus applications received from 6/10/2025 through 9/10/2025. APR denotes Annual Percentage Rate. Introductory APR of 4.99% APR is only for variable-rate advances of new HELOC Flex and HELOC Plus home equity lines of credit products made within the first six months from the Disbursement Date (the date your line of credit is established and available for advances) of the new home equity line of credit product. Your HELOC Flex or HELOC Plus application must be received between 6/10/2025 and 9/10/2025 for this Introductory APR to apply. If the loan is disbursed after the first of the month, the count of the six-month intro period begins on the first of the following month. After expiration of the Introductory APR term and on the first calendar day of the seventh month following the loan Disbursement Date, balances will be charged the variable APR from 7.50% APR – 18% APR based on creditworthiness and loan-to-value (LTV); your rate may differ from the rate shown here. The APR for variable advance(s) will be equal to the Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month, plus a margin. Margin is based on LTV and creditworthiness. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount to open is $5,000. The monthly payment may vary. The maximum APR is 18% and Maximum LTV is up to 90%. PSECU may terminate this introductory rate offer at any time and without notice.

¹PSECU representatives cannot give tax advice. Please consult a qualified tax advisor to determine if interest may be tax deductible.

²HELOC Flex: Rates "as low as" 7.50% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for a variable advance(s) will be equal to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the WSJ Prime Rate combined with a margin. For loan-to-value (LTV) up to 80%, the APR for a variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for a variable advance(s) is WSJ Prime Rate combined with a margin. There is a 10-year advance period with a 20-year amortized repayment period based on the principal balance when the repayment period begins. There is no required minimum advance amount for a variable-rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

³HELOC Plus: Rates "as low as" 7.50% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for variable advance(s) or fixed advance(s) will be equal to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the Prime Rate combined with a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate combined with a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the WSJ Prime Rate combined with a margin. Fixed Advance(s) are determined at the time of the advance. There is a 10-year advance period with a 20-year repayment period (5-year advance period with a 10-year repayment period on rental properties) from the date of the last advance. The minimum line of credit advance for a fixed rate advance is $5,000 with a limit of three fixed rate advances outstanding at one time. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

⁴Real Estate Equity Loan: Rates "as low as" 5.940% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum loan amount is $5,000. Loan rates, terms, and information are subject to change at any time. Fixed-rate Real Estate Equity loans are available for primary residences, second homes and investment properties. Payment example: a 5.940% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.31 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.690% for 60 months for a monthly payment of $19.66 per $1,000 borrowed. A 6.140% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.18 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.890% for 120 months for a monthly payment of $11.56 per $1,000 borrowed. A 6.640% fixed APR applies for a 180-month term and LTV up to 80% for a monthly payment of $8.80 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.390% for 180 months for a monthly payment of $9.22 per $1,000 borrowed. A 7.740% fixed APR applies for a 240-month term and LTV up to 80% for a monthly payment of $8.21 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 8.490% for 240 months for a monthly payment of $8.68 per $1,000 borrowed. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, if applicable; therefore, actual payment may be greater and vary from those shown.

⁵Variable interest rate equal to the WSJ Prime Rate of the Wall Street Journal, or the WSJ Prime Rate combined with a margin.

⁶APR denotes Annual Percentage Rate.