Home Equity Lines: 4.99% APR¹ for 6-months with no closing costs!*

Your home is a valuable asset. So in addition to serving as a shelter for your family, it can actually help you pay for some of your biggest dreams.

Here’s how:
A home Equity Loan or Line of Credit from North County Credit Union lets you convert your available equity into cash. Depending upon your situation, this may provide you with enough money for a new kitchen, a backyard patio, college tuition or your daughter’s dream wedding.

Why now?
In many areas of the country, this is a challenging time to try to sell a house. With interest rates still quite low, it makes a lot of sense to simply stay put, and make some home improvements that will pay off in the future.

Apply between April 1 and June 30, 2008, and we’ll waive our closing costs.* You could save hundreds of dollars!

Call (858) 487-1880 Ext. 3104 or email us for more information, or apply online today!

*APR=Annual Percentage Rate. Rates effective 03/31/08. Please call NCCU at (858) 487-1880 for current rates. Property Insurance and NCCU membership are required on all home equity loans and lines of credit. California owner-occupied residences only. All loans subject to credit approval.

North County CU will pay all closing costs for new Equity Loan applications (Fixed Equity Loans and Home Equity Lines-of-Credit) received between 04/01/08 and 06/30/08. Loans must be advanced by 07/15/08 to be eligible. Loans paid off and closed in less than two years from the loan origination date or cancelled prior to funding will require you to reimburse all incurred closing costs. Closing costs typically range between $150 and $800 depending on the location of the property and the amount of the Equity Loan.

¹ Line of Credit initial APR is “discounted” for the first six billing cycles. Our standard fully-indexed APR will commence beginning the seventh billing cycle. Our standard APR is based on the Wall Street Journal Prime Rate (Prime + 0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 6%. NSF charge is $30. Late payment fee is 5% of payment or $10, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000.

Our Current “Directions” Newsletter

Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. And don't forget to share our quarterly newsletter with family and friends. You must have Adobe’s Acrobat Reader in order to view.

Second Quarter 2008
First Quarter 2008
Fourth Quarter 2007
Third Quarter 2007

Look for these articles on our Web site's online magazine, "The Home & Family Finance Resource Center."

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