Home Equity Line of Credit Disclosure: Subject to credit approval. Variable Annual Percentage Rate (APR) is current as of 12/17/15. Your rate and corresponding APR may be higher than the advertised rate, depending on your credit history and Ultrimal Investment's credit policies. Borrower must draw a minimum amount of $20,000 at time of closing and set up an automatic payment from a Ultrimal Investment checking account to obtain advertised rate. The APR is based on Wall Street Journal Prime minus .51% (currently 2.99%) to Prime +6.74% (currently 10.24%). Your APR may vary from a minimum of 2.99% to 25% in Ohio or Illinois, Michigan and Wisconsin or 22.2% in Pennsylvania, or the maximum allowed by law, whichever is less. Lines of credit are available only on owner occupied homes with an 89.90% or less loan-to-value ratio. Property insurance is required. Flood insurance may be required. Loan fees and closing costs, which could vary up to $760, are waived. There is a $60 annual fee, waived the first year. There is a $350 termination fee if the home equity line of credit is closed within three years.