Details & Disclosures
1APR=Annual percentage rate. Rates effective as of July 1, 2024. Rates are variable and subject to change. Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. To open your HELOC account, you may have to pay certain third-party fees that generally range from $200.00 to $1,300.00. Rate may not exceed 18% at any time. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice. Maximum loan amount is $350,000 for CLTV above 80%, but not exceeding 95% with mortgage insurance approval. Maximum loan amount is $500,000 if CLTV is 80% or less. Home Equity Lines of Credit must be the applicant's primary resident (secondary or investment residences are not eligible).
2APR = Annual Percentage Rate. For qualified members. Promotional rate valid for 9 months from date of balance transfer on any balance transfer made to a qualified Georgia’s Own new or existing Visa Signature®, Platinum or Student Visa credit card between April 1, 2024 and July 31, 2024. On new cards, balance transfers must be made within 60 days of account opening. Classic, Secured, and Business cards are excluded from this offer. To receive the promotional rate, the minimum balance transfer amount must be $500 or more. Promotional APR for Signature, Platinum and Student Visa cards is 9.00%. After that, your APR for transfers will revert to your standard variable APR of 21.24% for Visa Signature; 19.24% for Visa Platinum; 19.24% for Student Visa. APR will vary based on Prime Rate. The maximum rate and penalty rate is 29.99% APR for Signature, Platinum, and Student Visa credit cards. Balance transfer fee is 3% of the balance transfer or $10 minimum, whichever is greater. Cash advance fee is 3% of advance amount. Foreign transaction fee is 2% of each multiple currency transaction. We will not process any balance transfer requests that are from any account or loan issued by Georgia’s Own. To benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by payment due date. This includes any promotional balance transfers.
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