Your home is more than just a place to live in.  It is also a valuable source of equity you can borrow against by applying for a Harbor Federal Credit Union HOME EQUITY LINE OF CREDIT (HELOC).  We now offer two types of HELOC.  With one of these loans, you'll enjoy a great new low rate, the flexibility to choose, plus the freedom to use the money you borrow for any worthwhile purpose!

          YOUR HOME IS MADE OF MONEY! Rate change effective 04-01-08

Low 3.99%  Intro. APR*¹
     80% LTV, up to $200K
       Intro subject to change           

Low 4.99%  Intro. APR**¹
     90% LTV, up to $75K 
       Intro subject to change                                

*Intro APR at 3.99% will remain in effect for 6 months from date of the loan. After the intro rate period, the APR will adjust to the current Index² rounded to the nearest .25% at a minimum of 4.50%APR. Rates, terms, and conditions are subject to change without notice.

Payment Example: A loan of $10,000 for 30 years at an APR of 3.99% will make your estimated monthly payment $47.71.

** Intro APR at 4.99% will remain in effect for 6 months from date of the loan. After the intro rate period, the APR will adjust to the current Index² + 1.50% rounded to the nearest .25% at a minimum of 5.75%APR. Rates, terms, and conditions are subject to change without notice.

Payment Example: A loan of $10,000 for 30 years at an APR of 4.99% will make your estimated monthly payment $53.66.

Fees (include Credit report, Title policy, Recording of deed, Hold PAD, and escrow fees if applicable)may vary from $520.00 to $700.00 depending on appraisal, and number of applicants applying.  For additional information regarding terms, and rates please contact our loan department at 310-816-0440, option#3.
Late Payment fee is 5% of payment.  Maximum APR is 15.00%.

Tax Advantage - Your interest may be tax deductible (consult your tax advisor).

Our terrific rates are always competitive!

All loans are subject to approval and some restrictions may apply.  Contact the Loan 
Department for details at 310-816-0440, option 3.

¹ APR= Annual Percentage Rate.

² Index/Prime Rate effective 11/18/08 is 4.00%