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Rates as low as 3.69%APR*

Home Equity Line of Credit

3.69% APR* fixed interest rate for 5 years
with a variable rate after the initial introductory rate

• Access funds with a cash advance;
borrow as much or as little as you need from your pre-determined credit limit

• Interest may be tax deductible


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*APR=Annual Percentage Rate. APR is accurate as of 9/1/2019. Lock in your introductory Annual Percentage Rate (APR) of 3.69% for five years from the date of agreement. After the five year introductory rate the variable rate will be determined by your loan to value ratio and credit score. The minimum loan amount is $10,000. Existing home equity line of credit or home equity loan members must increase their loan by $10,000 to qualify for promotion. Interest only payments for the first 10 years and then payments are amortized the remaining 10 years of the loan. The monthly payment example for a $10,000 line of credit during the first 5 years at 3.69% is $30.75/month. Loans subject to credit approval. The dwelling must be owner occupied, secured by a primary single-family residence and must be insured including flood insurance, when required. Closing costs are a minimum of $380.20. Appraisal fees may apply. The applicant will be responsible for costs incurred if the loan is withdrawn or unable to meet approval conditions. This offer is available for Nebraska and Iowa properties within Cobalt Credit Union’s lending area. Interest may be tax deductible, consult your tax advisor. Additional limitations may apply. Offer begins on 9/1/2019 and ends 10/31/2019.