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~ Rate for the Carter Credit Union Home Equity Line-of-Credit is based on The Wall Street Journal Prime. Rate adjusted monthly. The Carter Credit Union Home Equity Line-of-Credit is subject to a floor of 3.50% APR. Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. Not all applicants will qualify for the lowest rate. The Smart Choice Home Equity Loan and the HELOC must be secured by the owner-occupied primary residence. Homeowner’s insurance is required. All loans are subject to credit approval.
*The amount borrowed for renovation together with any other mortgages cannot exceed 90% of the after-renovation property value on 1-to-4 family owner-occupied primary properties. Among the ineligible property types are investment properties (defined as non-owner-occupied), co-ops, mobile homes, and manufactured houses. Homeowners property insurance is required. Flood insurance may be required. Fees and charges may apply. Membership eligibility is required.