*Certain restrictions may apply. Interest rate, no closing cost, no appraisal fees and no annual fees can change or be discontinued at any time. This loan is not available in all areas. All loans are subject to credit approval, verification and collateral evaluation. Free closing costs do not include documentary stamps in Florida. If the loan is paid in full within 18 months, the borrower will be required to repay all or a portion of the closing costs. Value of the home will be determined by most recent tax assessment and/or AVM and is at the sole discretion of AACFCU. If the borrower does not agree with the tax assessor's value of the home, the member may request the Credit Union order a full appraisal with the cost prepaid by the member. Interest rate is variable and will be based on applicant's credit and the market rate. Our maximum rate for home equity lines of credit is 18.00% annual percentage rate. Property insurance may be required. Offer is good for a limited time for loans new to AACFCU only with a minimum loan amount of $10,000. Contact us for more details.