For a limited time, when you open a NEW Home Equity Line of Credit and make a minimum withdrawal of $5,000 at time of loan closing, we'll give you a FREE $150 Home Improvement Gift Card!

Also, your Home Equity Line of Credit comes with an introductory rate of 3.99% APR for four months. After your introductory period, the variable interest may be as low as 8.00% APR.

You can use the equity in your home to purchase a vehicle; install a swimming pool or Jacuzzi; pay fall college tuition; or finance that dream cruise. And the best part is that the interest you pay may be tax deductible (consult your tax advisor)!

• 3.99% APR* four-month introductory rate
• No closing costs
• No annual fees
• No application fee

The point is, its your money to do whatever you want with – but you must act now. Rates continue to climb and this offer could end at any moment. For more information, call 800.321.8570, ext. 113 and ask to speak with a Real Estate Lending representative or Apply Online.

*APR = Annual Percentage Rate. Maximum 18% APR. All home equity loans are for primary dwelling only. Rate is based on Prime Rate, which is a variable rate, published in the Wall Street Journal. After introductory period, the variable rate APR is as low as Prime +0 % for lines over $75,000, as low as Prime + .25 % for lines of $25,000 to $74,999, and as low as Prime + .50 % for lines of $5,000-$24,999. Please consult your tax advisor about your specific financial situation. An appraisal is required, as well as homeowners insurance and title insurance. Flood insurance is required if applicable. An early termination fee of up to $500 will be applied if the account closes within 24 months. To receive the gift card, an immediate minimum withdrawal of $5,000 is required at loan closing. Offer subject to change at any time without notice.