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APY = Annual Percentage Yield

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender

* MAX will cover up to $1,000 in closing costs for HELOCs. Customers are responsible for any remaining closing costs. Certain restrictions apply.

**?APR=Annual Percentage Rate. Promotional rate on the HELOC of 4.50% APR for the first 6 months of the loan. APR for all transactions and balances will be based upon your contracted rate which will be a variable rate based upon The Wall Street Journal prime rate which was 7.25% as of 9/17/2025 but will never be more than the maximum APR (Annual Percentage Rate) of 18% or less than 4.00%.

***A fixed rate segment cannot be transferred to another open segment. Once opened, additional funds cannot be added to an existing fixed rate segment. On single segment payments the interest accrued on that segment will be deducted from the payment and the remaining balance will be applied to the principal on that segment only. Segment only payments can only be processed by a MAX employee. Term and rate will be determined per the agreement signed at closing.

This is a variable rate loan. Your loan has a balloon payment. At the end of the loan term, any balance remaining will have to be paid. Most consumers with a balloon note refinance their loan before the final balloon payment becomes due. A minimum outstanding balance of $10,000 must be maintained for the first 18 months to avoid closing costs. Closing costs may range from $115-$1150. This convenient line of credit is available when you need it. Homeowners insurance required. For qualified borrowers, certain restrictions apply.?

For qualified borrowers. Certain restrictions apply. Equal Housing Lender. NMLS#410580

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