Home Equity Rates

* Based on loan amount of $75,000.00 or greater and a credit score of 740 or higher for current promotional loan rate of 1.49% APR for first three (3) months following closing date of the Home Equity Line of Credit (HELOC). After the three (3) month period ends, the APR will convert to a variable rate based on the Wall Street Journal Prime Rate. The Wall Street Journal National Prime Rate is 7.25% APR, plus or minus a margin determined by creditworthiness and loan-to-value (LTV), effective September 18, 2025. The variable APR is subject to change daily and may vary throughout the life of the loan. 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. A $30.00 annual maintenance fee will be assessed at the 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 09-22-25 and may change or discontinue at any time. Offer cannot be combined with any other offer. Not a commitment to lend.
1 Approval decision is within three (3) business days pending receipt of 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 Fidelity Banker for more details.