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Special Offer


1. Annual Percentage Rate (APR) effective as of July 14, 2017 and subject to change. The introductory rate of 1.50% will be in effect until 12 months from the date the line is opened. Thereafter, the rate may increase and is a variable APR which becomes adjustable monthly based on Prime Rate (currently 4.25% APR) as published in The Wall Street Journal with a maximum APR of 18%. 10 Year draw period; 10 Year repayment period. During the draw period, payments are interest only. During the repayment period, payments include principal and interest. Homeowners insurance is required and Flood insurance may be required (if applicable) prior to closing. Appraisal, courier fee, and recording fees may be applicable. Loan amount $10,000- $200,000. Rates apply to owner occupied 1-4 family residences with a maximum LTV of 80%. Early termination fee of $250 may apply if paid off and closed within the first 36 months. All loan applications are subject to credit underwriting and property approval. Offer is for new money only and the rate requires a $20,000 draw to be taken at closing. Minimum credit score of 680 required. Consult a tax advisor concerning the deductibility of interest.
 
2. Annual Percentage Rate (APR) effective as of August 8, 2017. At 3.00% APR financed for 60 months, monthly payment per $1,000 borrowed is $17.97. The advertised rate includes a 0.25% discount for automatic payment from PNCU Perks Checking Account. (Cost per thousand does not include RE taxes & insurance premiums & actual payment increase). Cost per thousand does not include real estate taxes or insurance premiums and the actual payment may increase. Homeowner’s Insurance is required and Flood Insurance may be required (if applicable) prior to closing. Appraisal, courier, and recording fees may be applicable in some instances. Loan amount $10,000 - $200,000. Rates apply to owner occupied 1-4 family residences with a maximum LTV of 80%. All loan applications are subject to credit underwriting and property approval. Consult a tax advisor concerning the deductibility of interest.
 
3. You must become a member of PNCU if you are granted a loan, and remain a member for the life of the loan. Membership is attained by making a $25.00 deposit into a savings account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties of Western Massachusetts or individuals who live, work, or attend any accredited public or private college, university, high school, elementary school or vocational school in the counties of Hartford, Litchfield and Tolland in the state of Connecticut.

 

 

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