Could your House Use a Spring Makeover Did you spend more time in your house this winter than usual due to all the snowstorms? If so, maybe you realized, “I need more space in here,” or “my house could really use some renovations.” Spring is a great time for change and a JHFCU Home Equity line of credit is just the rejuvenation your house needs to make it feel fresh again! Check out these great features: Low Rate. Rates as low as Prime minus 1½%, subject to a floor rate (currently as low as 4.5% APR*). No Teaser Rate. No artificially low initial rate that increases after a short introductory period. No Closing Costs. No application fee, and you pay nothing at settlement. Only if you close out your line within the first year will closing costs be added to your loan. Fast Approval. Apply online or over the phone and, in most cases, we can give you a preliminary answer in minutes if you provide us your account and employment information! No Initial Draw Required. Best of Both Borrowing Options. Get a fixed-rate Home Equity loan and a line of credit at the same time. Borrow Up to 90% of your home’s equity. Overdraft Protection. Use your line of credit to protect yourself from overdrawing your account. Convenience. Access your line of credit with special Home Equity checks (ordered at settlement). Easy Payments. Make payments online, over the phone, through the mail, or in any branch. Possible Tax Deduction. In most cases, home equity interest is deductible on loans up to $100,000. Consult a tax advisor regarding issues with the alternative minimum tax or others that may affect deductibility. Extra Bonus. Get free Equifax Gold Credit Monitoring for one year — a $155 value! (Retail subscription rate is $12.95 a month.)** Apply for your Home Equity line of credit today at jhfcu.org! Call 410-534-4500 and ask to talk to our Home Equity Specialist, or log into your account and apply securely online at jhfcu.org. *APR = Annual Percentage Rate. Rates are based on applicant credit, direct deposit option, type of loan, and loan-to-value ratio and may vary. Rates are current as of 4/1/10 and are subject to change. Home Equity rates are based on the Prime Rate as published in the Wall Street Journal on the 25th of each month, plus or minus a margin. The above rate reflects the most recent change to Prime but is subject to the floor rate of 4.50%. Property and flood insurance may be required. $5,000 minimum required for a Home Equity credit line. Some restrictions may apply. Closing costs will be added back to loan balance if the loan is paid off within one year. Maximum rate is 18%. **Some restrictions may apply. Offer good for approved loans only. Limited time offer. Initial subscription is for one year.

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