Home Equity Line of Credit promotion applies to loans up to 80% Loan to Value (CLTV) for owner occupied residences with a minimum credit score of 651. Home must not be listed for sale. The rate will be fixed at 1.99% APR* (Annual Percentage Rate) for credit score 705 and above for the first 12 months as the promotional period. Credit margin will apply for lower credit scores. After the promotional period, the rate is equal to Prime rate plus credit margin with a floor of 4.00% APR. Line of credit rate is variable, may change monthly, and will not exceed 18% APR. Minimum payment is 1.50% of the principal balance or $100.00, whichever is greater. All rates and approvals are subject to credit qualification, other rates and terms may apply. Minimum credit line is $10,000.00. If refinancing an existing Guardian Credit Union Home Equity Loan, an additional $10,000 is required on existing loan limit and minimum additional draw of $10,000.00 is required. If an appraisal or title transfer/change is required, the cost of this service/s will be the responsibility of the borrower/s. Promotion subject to change at any time at the discretion of Guardian Credit Union. A $5.00 savings account is required. Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Washington, Kenosha, Ozaukee, Racine and Walworth counties. Federally insured by NCUA.