*3.99% Introductory Annual Percentage Rate (APR) is available for Home Equity Lines of Credit (HELOC) up to 80% LTV (loan to value). The interest rate will be at 3.99% APR during the 24 month introductory period. Offer is available for applications submitted from July 1st - October 31, 2018. After the 24 month introductory period, the APR is variable and is based upon an index plus a margin. The APR will vary with the Prime Rate (the index) as published in the Wall Street Journal. As of July 2, 2018, the variable rate for Home Equity Lines of Credit was 5.00% APR, the minimum floor rate. The rate will not vary above 21.75% APR or below 5.00% APR. Minimum loan amount increase on an existing HELOC is $10,000. Closing costs generally range from $350-$1,300. Loans are subject to credit approval and program guidelines. BankCherokee checking account required for automatic payment. Property insurance is required and must be owner occupied. Consult your tax advisor regarding the deductibility of interest paid. Other restrictions may apply.