*APR – 2.99% Annual Percentage Rate. The prime rate is based on the highest prime rate published in the Wall Street Journal. On July 31, 2020 prime rate was 3.25%. The current APR for a Home Equity Line of Credit using the prime rate minus 0.26% margin is 2.99%. The APR will never exceed 9.99%. If applicable, your payments will change on the first day of the month. At no time during the life of your loan will your interest rate go below 2.99% nor will it go any higher than 9.99%. Your annual rate change per year cannot exceed 2.00%. Loan Rates and current offer are subject to individual qualifying factors and may change at any time without notice, your rate may be higher.