*APR: Annual Percentage Rate based on $100,000 loan amount; Rates Subject to Change. Rate based on 80% LTV; All fees covered by borrower on Home Equity loans outside the State of Massachusetts; Owner Occupied only. Requires automatic payment. Refinance ONLY. **Low Flat Fee includes drive-by appraisal. Full certified appraisal paid by Member. ‡3.250% Rate;60 monthly payments of $18.08 per $1000 borrowed. Financing available up to 90% LTV, visit website or call for details!