*Based on a loan amount of $75,000.00 or greater and a credit score of 740 or higher for the current promotional introductory loan rate of 2.99% APR (Annual Percentage Rate) for the first six (6) months following the closing date of the Home Equity Line of Credit (HELOC). After the six (6) month introductory period ends, the APR will convert to a variable rate based on the Wall Street Journal Prime Rate. The Wall Street Journal Prime Rate is 7.00%, plus or minus a margin determined by creditworthiness and loan-to-value (LTV), effective September 21, 2026. The APR is variable and is based on the Wall Street Journal Prime Rate. Changes in the Prime Rate may cause the APR to increase or decrease. The maximum APR is 18.00%, and the current floor rate is 5.00%. Maximum loan-to-value is 80.00% and a minimum credit score of 740. One- to four-family owner-occupied primary or secondary residences, secured by a first or second lien only. To qualify for the rates advertised above, monthly payments must be automatically deducted from a new or existing Fidelity Bank Checking Account during the ten (10) year draw/fifteen (15) year repayment period. Promotional rate will apply when a minimum $10,000 draw is taken on date of origination. A $30.00 annual maintenance fee will be assessed at closing and each year thereafter during the draw period. Homeowner’s insurance with Fidelity Bank listed as mortgagee is required. Flood insurance is required if applicable. Subject to credit approval. Other rates are available, but fees may apply. Please consult a tax advisor regarding the deductibility of interest. Offer is valid as of September 21, 2026 and may change or discontinue at any time. Offer cannot be combined with any other offer. Not a commitment to lend.
† “No Closing Costs” applies to loans $25,000.00 to $250,000.00 with a minimum of $25,000.00 in new money, which is defined as money not currently borrowed from Fidelity Bank. Home Equity Line must remain open for at least thirty-six (36) months. If the loan is paid off within thirty-six (36) months, the borrower agrees to repay Fidelity Bank all closing costs, which may be from $793.15 up to $1,542.00. Title insurance is required on loans greater than $250,000.00 and is paid by the borrower.
‡ Approval decision is within three (3) business days pending receipt of a complete loan application, including signatures of all borrowers, signed disclosures, and all necessary financial information. Restrictions may apply. Not a guarantee for an extension of credit. Please see a Fidelity Banker for more details
