*The Annual Percentage Rate (APR) is as of 12/20/18 and available for owner occupied 1-2 family residences with 20% equity and not currently listed for sale. Property insurance required. Min. Loan $10,000/Max Loan $250,000. Rates subject to change. The APR is variable based on the Prime Rate as published in the Wall Street Journal Eastern Edition as of 12/20/18. The initial APR is 2.49% and is not available for existing Savings Institute Bank & Trust Home Equity Line of Credit customers. This rate is in effect for 12 months. The non-discounted rate would be 5.50% APR, variable. Max APR is 18%. Prepayment penalty is the lesser of 2% of the credit line or $500.00 if paid off within the first 36 billing cycles. $50.00 annual fee is waived first year. Ask us how this fee can be avoided every year.