APR= Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in market conditions. All rates are subject to credit approval and property type approval based on bank policy guidelines. Rates above are based on a loan amount in excess of $50,000 to a consumer with good credit history, individual rates may vary. 

1) HELOC programs are a variable rate product based on the Prime Rate as published in the Wall Street Journal. HELOC maximum interest rate is 18%. HELOC minimum interest rate is 3.75%. Interest may be tax deductible, consult your tax advisor for more information. Rate subject to change daily. Introductory rate cannot be combined with any other offer. 

2) HELO programs are a fixed rate product. The example provided is a $50,000 loan with a 10 year term and auto-pay from STAR checking account. The estimated payment is $583.12 or 120 months of $11.66 per $1000 borrowed. Other fees may apply. If Auto Pay is canceled, rate may increase. Rates are subject to change daily. Interest may be tax deductible, consult your tax advisor for more information.

*Rates, terms, & conditions effective as of 12/1/2021. Variable rate subject to change daily. Offer subject to credit approval. Property insurance is required. Other restrictions may apply; see us for details. Offer eligible for new HELOC loans or HELOC loans rewritten with at least $10,000 in new credit. Minimum loan amount $10,000. Maximum loan amount $250,000. Introductory fixed rate in effect for the first 12 billing cycles. Thereafter, variable rate applies. Floor rate of 3.75%. STAR will pay up to $1000 in closing costs. Rates applicable on lines with an LTV of 80% or less; APR may be higher depending on certain credit factors. Max APR is 18%. Prepayment penalty applies. Please consult your tax advisor regarding any deduction of interest.