Home Equity Line of Credit: Variable APR based on The Wall Street Journal "Prime Rate" ("Prime") published on the last business day of the month, 3.25% as of 12/31/09.
Maximum APR 21%, (18% in NJ and PA) Minimum APR 2.5%. 1 to 4-family owner-occupied properties. condominiums, and 2nd / vacation home owner occupied properties. Rate and terms may change at any time and vary by property type, loan amount, credit history, lien position, and LTV ratio. Not available for homes currently for sale or intended to be sold within six months of closing. Property insurance required. Flood insurance may be required. Trust review fees ranging from $85 to $175 apply for properties held in trust. No annual fee first year, then $50 per year ($25 for Circle Gold Customers). Pre-payment penalty $300 if closed within first 24 months. No pre-payment penalty in NJ and PA.
*For a limited time only, Prime minus 0.51% (2.74% APR) available in PA, NJ, MA, NH & VT. . Prime minus 0.26% (2.99% APR) available in RI. Prime minus 0.01% (3.24% APR) available in CT & DE. Prime plus 0.24% (3.49% APR) available in NY. All rates include relationship discount and ‘Big Savings Sale’ discount. For best rate, minimum line amount $100,000, with a balance of $25,000 at closing or an incremental draw of $25,000 for existing customers, and a Circle checking account with auto debit.
Rates are subject to change before or after account opening. Rates apply to new accounts and may not be applied to existing accounts.
All accounts, loans, and services are subject to individual approval. See a banker for details.
Mortgages are offered and originated by RBS Citizens, N.A. Charter One is division a of RBS Citizens N.A. Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. RBS Citizens, N.A. and Citizens Bank of Pennsylvania are affiliates.