Home Equity Line of Credit

3.99% APR for the first 6 months on new HELOCs, subject to credit approval.

APR after intro: Variable, based on the Wall Street Journal Prime Rate plus a margin set at application.
Current range (as of 12/11/2025): 6.50% to 8.50% APR
Rate limits: Floor 3.50% APR, ceiling 18.00% APR
Note: Minimum payments may increase if the Prime Rate increases.
Fees: Third-party fees $0 to $1,214.50. $500 early termination fee applies if line is closed within 36 months.

Velocity Checking Rates*

With qualifying loan or Certificate

Average Daily Balance Tiers	APY*
First $10,000 ($0.00-$10,000.00)	2.02%
Everything over $10,000	0.50%

Rates effective as of 10/1/2022

Without qualifying loan or Certificate

Average Daily Balance Tiers	APY*
First $10,000 ($0.00-$10,000.00)	2.02%
Everything over $10,000	0.20%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:

Tiered Balance		APY*		Annual Interest
$10,000	@	2.02%	=	$202
$65,000	@	0.50%	=	$325
				Total Earned $527

*Earn 2.02% APY² on your average³ balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000.00⁴ per month, and have at least 11 posted⁴ debit and/or credit card transactions per month. Additionally, earn 0.50% APY on average balances greater than $10,000 when you have a qualifying loan or Certificate⁵ or 0.20% APY on balances greater than $10,000 when you do not have a qualifying loan or Certificate. If you don’t meet the qualification requirements you will earn 0.05% APY on your average balance.

²APY = Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet Frontier Credit Union membership and account opening requirements.
³Interest earned based on average daily balance.
⁴ACH deposits must be in the same account.
⁵Posted transactions cleared by the end of the account statement cycle. Debit card transactions will only count if made from the Velocity Checking share.
⁵The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.
⁶This advertisement is not affiliated with, endorsed by, or sponsored by any third-party company. Frontier Credit Union will not assume any direct payments for subscription services. The examples of subscriptions provided herein are illustrative of potential expenditures that may be financed using interest accrued on your account, contingent upon meeting specific eligibility criteria. Please note that certain restrictions may apply.

See Rates & Disclosures

LIMITED TIME HELOC 3.99% INTRODUCTORY RATE DISCLOSURES

A Home Equity Line of Credit (HELOC) is secured by your home. **Failure to make payments or meet other obligations under your agreement could result in the loss of your home.

the Annual Percentage Rate (APR) is variable and based on the Prime Rate published in the Wall Street Journal. Your minimum monthly payment may increase if the Prime Rate increases. The introductory APR is 3.99% for the first six months. After the introductory period, the APR will adjust to the Prime Rate plus a margin, which is determined at the time of application based on your creditworthiness and qualifying criteria. Introductory APR of 3.99% for HELOCs opened between 12/1/2025 – 06-01-2026.

As of 12/11/2025, the Prime Rate is 7%, making the lowest APR available 6.50% and the highest APR available 8.50%, for a primary residence. The APR will never fall below 3.50% and will never exceed 18.00%.

To open a HELOC, the estimated total of third-party fees required to open the plan ranges from $0 to $1,214.50. You may request an itemization of these third-party fees. If the HELOC is closed within 36 months, an early termination fee of $500 will be charged.

The draw period is 10 years, during which time interest-only payments are required. After the draw period ends, the repayment period is 15 years, during which principal and interest payments are required. If you make only interest-only payments during the draw period, your payments will increase during the repayment period.

Maximum loan-to-value (LTV) is 90%. Member qualifications, credit approval, and property insurance are required. Additional terms and conditions apply and are subject to change without notice. Contact Frontier Credit Union for full details. Consult a tax advisor on tax deductibility.