Home Equity Rates – St. Jean's Credit Union

Fixed Rate Home Equity 2nd Mortgage

Term	Interest Rate	APR*	Monthly Payments Per $1,000
25 Years	8.50%	N/A	$8.05
20 Years	8.25%	N/A	$8.52
15 Years	7.50%	N/A	$9.27
10 Years	7.25%	N/A	$11.74

*Annual Percentage Rate (APR) is based on a $100,000 Loan Amount and a 20% Down Payment. Maximum 80% LTV. Maximum Loan Amount $500,000. Property Insurance required on all Mortgage, Home Improvement and Home Equity Loans. Payments shown do not include taxes or insurance. Your payment may be greater. Rates are subject to change without notice.

Home Equity Line of Credit

Product	Points	Interest Rate	Annual Percentage Rate (APR)	Monthly Payments Per $1,000
Prime Minus - 0.500% for Life	0	6.25%	N/A	$5.21

*Annual Percentage Rate (APR) is variable and is subject to change without notice. 10-year draw, 10-year fixed repayment period. Maximum 80% LTV. Home Equity Line of Credit rate is based on the Prime Rate (6.750% As of 9/1/2026) as published in The Wall Street Journal. The minimum APR (floor) is 3.000%. The maximum APR (ceiling) is 18.00%. New Loans Only, unless existing St. Jean's Credit Union Line increases by $15,000 or more.