*APR=Annual Percentage Rate. Rates shown are base rates. Actual rate will be based on term and individual creditworthiness. Rates subject to change without notice. Contact a credit union representative for terms and conditions. 

HOME EQUITY INTRODUCTORY RATE: *APR=ANNUAL PERCENTAGE RATE. AN INTRODUCTORY RATE PRIME -1% (CURRENTLY 7.50%, AS PRIME IS 8.50% AS OF 4/10/2024) APR WILL APPLY FOR THE FIRST 6 MONTHS. THEREAFTER, THE RATE WILL ADJUST TO FULLY INDEXED RATE (TODAY’S RATES : 8.50%) ON THE FIRST CALENDAR DAY OF THE MONTH FOLLOWING THE END OF 6 MONTH INTRODUCTORY PERIOD. INDEXED RATE BASED ON CREDITWORTHINESS. THE INTRODUCTORY RATE IS FOR NEW APPLICATIONS BETWEEN APRIL 8 – 30, 2024. APPLICATIONS ARE VALID FOR 30 DAYS FROM DATE OF SUBMISSION. LOANS ARE ONLY OFFERED IN NEW JERSEY, NEW YORK, OR PENNSYLVANIA ON OWNER-OCCUPIED PRIMARY RESIDENTIAL PROPERTIES. TO QUALIFY FOR THE INTRODUCTORY RATE, YOU MUST CLOSE ON YOUR HOME EQUITY LINE OF CREDIT BY MAY 15, 2024. MINIMUM LINE OF CREDIT AMOUNT IS $10,000. MAXIMUM LOAN AMOUNT IS $250,000 OR UP TO 82% EQUITY IN YOUR HOME OR CONDOMINIUM, WHICHEVER IS LESS. A FLOOR RATE OF 4.25% FOR THE LIFE OF THE LOAN WILL APPLY AFTER THE INTRODUCTORY RATE EXPIRES. THE MAXIMUM APR THAT MAY BE IMPOSED WILL BE 18%. FEES: THERE IS NO APPLICATION FEE/CHARGE, AND NO CLOSING COSTS. WE WILL PAY THIRD-PARTY FEES ON YOUR BEHALF. IF WE DO SO, YOU MUST KEEP THE LINE OF CREDIT OPEN FOR AT LEAST 60 MONTHS (FIVE YEARS) OR BE LIABLE TO REIMBURSE THE LENDER BY PAYING A $400 ORIGINATION REIMBURSEMENT FEE. THERE IS A 5 YEAR DRAW PERIOD. DURING THE DRAW PERIOD, PAYMENTS WILL BE DUE MONTHLY CALCULATED TO SATISFY INTEREST DUE; WITH A MINIMUM PAYMENT AMOUNT OF $100.00. THE INTEREST WILL BEGIN TO ACCRUE WHEN MONEY IS TAKEN FROM THE LINE OF CREDIT. A $10,000 INITIAL ADVANCE WILL BE REQUIRED AT THE TIME OF LOAN CLOSING. AFTER THE DRAW PERIOD EXPIRES, PAYMENTS WILL BE CALCULATED TO PAY OFF THE LOAN BALANCE IN EQUAL MONTHLY PAYMENTS BY THE MATURITY DATE. AFTER THE INTRODUCTORY PERIOD ENDS, THE RATE MAY CHANGE MONTHLY BASED ON THE PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL. NOT ALL BORROWERS WILL QUALIFY. RATES EFFECTIVE AS OF APRIL 8, 2024. RATES SUBJECT TO CHANGE WITHOUT NOTIFICATION. PINNACLE FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER. NMLS# 423010.

*Fixed-Rate Home Equity Loans: APR=Annual Percentage Rates. Rates shown are base rates. Current rates as low as 6.95% up to 9.15% APR. The actual rate will be determined based on creditworthiness. Loans are only offered in New Jersey, New York, or Pennsylvania on owner-occupied primary residential properties only. Maximum loan amount is $250,000 or up to 80% equity in your home, whichever is less. There is no application fee or charge. The current rates for fixed-rate home equity loans are as low as 6.95% APR for 60 months fixed loan; as low as 7.25%APR for 120 months fixed loans; as low as 7.75%APR for 180 months fixed loans; and as low as 7.99%APR for 240 months fixed loans. Your loan payments will be due monthly and payments will be calculated to pay off the loan balance in approximately equal monthly payments by the maturity date. Your interest rate on a fixed 2nd Mortgage will never change throughout the life of your loan. Rates subject to change without notification. Not all borrowers will qualify. Rates effective as of April 5, 2024. Pinnacle Federal Credit Union is an Equal Housing Lender. NMLS# 423010.

*APR=Annual Percentage Rate. The rate will adjust to fully indexed rate (today’s rates 8.50%) on the first calendar day of the month. Indexed rate based on creditworthiness. Applications are valid for 30 days from date of submission. Loans are only offered in New Jersey, New York, or Pennsylvania on owner-occupied primary residential properties. Minimum line of credit amount is $10,000. Maximum loan amount is $250,000 or up to 80% equity in your primary residence, whichever is less. A floor rate of 4.25% for the life of the loan will apply. The maximum APR that may be imposed will be 18%. There is a five (5) year draw period. During the 5-year draw period, payments will be due monthly calculated to satisfy interest due; with a minimum payment amount of $100.00. The interest will begin to accrue when money is taken from the line of credit. A $10,000 initial advance will be required at the time of loan closing.  After the draw period expires, payments will be calculated to pay off the loan balance in equal monthly payments by the maturity date. The rate may change monthly based on the prime rate published in the Wall Street Journal. Payments will be due monthly until the loan has been satisfied. FEES: There is no application fee/charge, and no closing costs. We will pay third-party fees on your behalf. If we do so, you must keep the line of credit open for at least 60 months (five years) or be liable to reimburse the Lender by paying a $400 origination reimbursement fee. A fee breakdown will be provided prior to closing. Not all borrowers will qualify. Homeowners insurance required. Rates effective as of April 5, 2024. Rates subject to change without notification.  Pinnacle Federal Credit Union is an equal housing lender. NMLS# 423010. Speak to your tax advisor.

APY=Annual Percentage Yield. Rates effective and current as of April 1, 2024. For account terms and conditions, please contact a Credit Union Representative or see our Truth-In-Savings disclosure and Fee Schedule. Fees may reduce earnings. Rates may change without notification. Rate may change after the account is open. Pinnacle Federal Credit Union is federally insured by the NCUA. Pinnacle FCU is not responsible for typographical errors. Federally insured by NCUA.