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Home Equity Line of Credit (HELOC) Disclosure: Variable interest rate as low as Prime minus 1%. Floor rate is 3.25% APR. The Prime Rate is published by the Wall Street Journal; the current Prime rate can be found at the WSJ website.Rate adjustment occurs once per year during month of account anniversary. Max APR is 17.5%. Actual rate will be determined based on credit history, term, loan to value and other factors. See a banking representative for full terms.

*Actual rates and approval subject to applicant's creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See application for full details. Central One Federal Credit Union membership is required.

*Annual Percentage Rate (APR) based on creditworthiness, term and other factors.

* Certificate Share Disclosure: All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty.