*APR = Annual Percentage Rate. Loans and lines of credit are subject to credit worthiness and membership eligibility. Rates may be different and are based on your personal credit history, loan to value, and term of the loan. Home Equity Line of Credit (Variable Rate): Your home equity contract rate is variable and subject to change monthly based on Wall Street Journal Prime Rate. The rate is based on your creditworthiness, loan to value, and Stark Federal Credit Union's lending policies. Rate are as low as Prime minus .51%. Your rate will vary but never exceed 18.00% APR and never fall below 5.00%. Monthly Payments will be $100 or 1% of the HELOC balance, whichever is greater. Annual fee is $60. Home Equity Loan (Fixed Rate): Fixed rate options allow you to borrow up to 100% of the appraised value of your home, minus your outstanding mortgage balance. Stated rate above is available for loan amounts over $5,000 for 0-60 months and less than 80% loan to value. Sample payment: If you borrow $25,000 secured by an owner-occupied home, for 60 months at 6.24% APR, the monthly payment would be approximately $486.05. **Stark Federal Credit Union will give a $100 Home Depot gift card to everyone who is approved and takes an initial draw of $10,000 or greater on a Home Equity Loan or Home Equity Line of Credit. Offer ends on May 31, 2026

*EQUITY LOANS ALSO SUBJECT TO ACCEPTABLE PROPERTY APPRAISAL AND TITLE SEARCH. Loans are subject to credit worthiness, membership eligibility, and your ability to meet certain underwriting criteria such as owner occupancy and loan to value ratios.  Your rate may also be different based on your credit history. Loan to value criteria is based on the appraised value of your home minus your outstanding mortgage balances.  This offer is only available on owner occupied homes.   Property insurance is required. Flood insurance may be required. No early repayment penalty. No application fee.  No Closing costs.  Third party fees may apply and may range from $0 – $1,000.

**Home Equity Line of Credit (Variable Rate)-APR = Annual Percentage Rate. Loans are subject to credit worthiness and membership eligibility. Rate may be different and are based on your personal credit history. Variable rate subject to change with prime rate for the duration of the line of credit. Rate may change monthly. The current rate is based on Prime minus .51%.  Your home equity contract rate is variable based on Wall Street Journal Prime Rate, on your creditworthiness, and Stark Federal Credit Union’s lending policies. Your rate will vary but never exceed 18.00% APR and never fall below 5.00%.   Minimum credit line draw of $2,500. Monthly Payments will be $100 or 1% of the HELOC balance, whichever is greater. HELOC requires low annual fee of $60. There is a Draw Period for 5 years after the account is opened during which advances and purchases may be made and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a repayment period that will not exceed 10-years. Rates effective 1/9/2026

***Home Equity Loan (Fixed Rate)- APR = Annual Percentage Rate. Loans are subject to credit worthiness and membership eligibility.  Rate may be different and are based on your personal credit history.  Fixed rate options allow you to borrow up to 100% of the appraised value of your home, minus your outstanding mortgage balance.  Rates above are available for loan amounts over $5,000 and less than 80% loan to value.  Typical loan payment examples are as follows: If you borrow $25,000 secured by an owner-occupied home, for 120 months at 7.35% APR, the monthly payment would be $294.79 or if you borrow $50,000 secured by an owner-occupied home, for 180 months at 7.74% APR, the monthly payment would be $470.37. Non-owner-occupied financing is also available. Call us for details.

Home Equity Early Disclosure

What you should know about Home Equity Lines of Credit

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Please contact your tax advisor to determine any tax benefits. Stark Federal Credit Union may discontinue or change program without notice. A Stark Federal Credit Union Share Account must be opened and in good standing in order to disburse a loan. All loans are subject to credit approval. All rates are subject to change. Stark Federal Credit Union is an Equal Housing Lender.