Home Equity Line of Credit

APR: Annual Percentage Rate. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, you might be approved for a smaller loan than you requested, and/or certain other conditions may apply; your loan might also be denied. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that index as reference and, after the introductory fixed rate period concludes, your rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. The rate on this loan will never exceed 18% APR.