¹The promotional APR discount applies only to new Home Equity Lines of Credit (HELOC) with a maximum loan-to-value (LTV) of up to 100%. Members who have closed an existing Credit Union West HELOC within the last 12 months on the same property are not eligible for this promotion. A promotional discount of 1.00% will be applied to the standard variable APR for the first 12 months of the term. The APR is variable and may increase or decrease during the promotional period based on changes in the index and margin. The promotional discount will not reduce the APR below the stated floor rate. On the first calendar day of the 13th month following the loan closing date, the 1.00% promotional discount will expire, and the APR will continue as a variable rate as described in the applicable loan documents. The APR may increase or decrease monthly based on changes in the index and margin. Your monthly payment may vary based on your outstanding balance and changes in the applicable APR. The index is the Prime Rate as published in The Wall Street Journal. Variable interest rates are calculated as the index plus a margin, with a floor of 4.25% APR and a ceiling of 18.00% APR. Rates are based on LTV, credit qualifications, and performance. HELOC insured/non-owner-occupied products have a 10-year draw period with a 15-year repayment period. HELOC uninsured/owner-occupied products have a 20-year draw period with a balloon payment at maturity. Certain HELOC products may include a balloon payment. All loans are subject to credit approval and property qualifications. Restrictions may apply. Program subject to change without notice.