The Yin and Yang of Home Equity

2nd Mortgage (As Low As 7.24%APR*)

• 0.25%OFF APR on Your Qualifying Rate*
• 15-Year Term
• Waived Application Fee ($250)

HELOC (Currently 6.75%APR*)

• Variable Prime Rate*
• 5-Year Draw/10-Year Repay
• $100 Home Improvement Gift Card*
• Waived Origination Fee ($250)

^{*APR=Annual Percentage Rate. LTV=Loan-To-Value. APR is based on individual credit worthiness. Interest on a HELOC (Home Equity Line of Credit) is calculated at a variable periodic rate based on the Wall Street Journal Prime Rate as of the last day of the prior month and applied to the daily principal balance. The periodic rate may change on the first day of the month following a change in the Wall Street Journal Prime Rate. The term on a Home Equity Line of Credit is 15 years, with a 5-year draw and a 10-year payback. Your Home Equity Line of Credit could be 100% tax deductible, consult your tax-advisor. Fixed Rate 2nd Mortgage promotional rate is 0.25% off the member’s qualifying rate. Lowest rate offered under this promotion is 7.24% APR based on a combined loan-to-value of 80% or less or 8.99% APR on a combined loan-to-value of greater than 80%. Space Age will waive the standard Origination/Application Fee of $250. 90-days of no payments begins on loan origination date. Interest continues to accrue during the 90-days of no payment. $100 Home Improvement Gift Card for HELOCs will be received at time of closing. Promotional offer cannot be combined with any additional offers or rate reductions. Offer runs April 1-30, 2026. Space Age Credit Union reserves the right to cancel or extend this promotion at any time.}