* All products are subject to credit and property approval. Low payments - members are only required to make interest only payments or $100.00, whichever is greater for the first 10 years. Rates are variable and are subject to change without notice. Terms are subject to change without notice. Application and appraisal fees may apply. Certain restrictions and limitations may apply. Home equity loans must be secured by your owner-occupied residence. Loan-to-value (LTV) of 85% or less, depending on market. Property insurance is required. The rate is indexed to prime plus or minus a predetermined margin and is subject to change monthly. The floor interest rate is 5.00% APR. (APR = Annual Percentage Rate). All application requests are subject to credit approval. Home Equity Lines of Credit are offered through Denver Community Credit Union. Must qualify for membership. To qualify for membership, one must live or work in Adams, Arapahoe, or Denver County.1 For specific tax advice regarding the possible deduction of your HELOC's interest, please consult a qualified tax professional. ** Actual amount of the line of credit depends on multiple factors including but not limited to credit, debt to income, value of the home, and other liens against the property.