Subject to credit approval. Current rate is as low as 6.125% APR variable and 6.5% APR fixed as of January 16, 2008. Rates subject to change. Maximum APR is 16.125%. APR = Annual Percentage Rate. Rate applies to 80% LTV Home Equity Line-of-Credit. Rate has a 2% yearly cap and 5% lifetime cap. Term up to 15 years. Rates are based on the Credit Union’s Managed Credit Program. This loan is secured by owner-occupied real estate located in the state of Tennessee. Offer valid on new Home Equity Line-of-Credit loans with a minimum initial disbursement of $5,000. If you close your loan within the first 12 months, closing costs will be charged. Offer and rate subject to change without notice. Consult your tax advisor for tax benefits. Some exclusions may apply.