No Cost Home Equit y Loan Rates as low as 4.0% APR* What Opportunities Are Under Your Roof? n Refinance Your Mortgage n Home Repair n Debt Consolidation n Education Expenses n Vacation Rates as low as 4.0% APR* n Variable and Fixed Rates** n Loans up to $200,000 n Flexible Terms n Loan to Value (LTV) up to 80% n Tax deductible interest† n No appraisal fees, no closing costs, no problems! n Applications by phone or in person n Quick turn-around time Your secure tomorrow starts today with a Home Equity Loan or Line of Credit from Downey Federal Credit Union. Visit www.downeyfcu.org or call one of our Loan Representatives at (562) 862-8141, option 2 for more information. * APR = Annual Percentage Rate. No cost = no appraisal fees, no closing costs, and no hidden fees. Rate shown is our best rate for qualified borrowers. Rates and program may change without notice. Your actual rate may vary based on creditworthiness. All loans are subject to credit approval. New DFCU loans only. $50,000 minimum for no-cost promotion. Different rates and terms are available for non-owner occupied units. ** Variable Rate (Home Equity Line of Credit) Rates may vary. Maximum rate is 18%. Fixed Rate (Home Equity Loan) 4.0% APR is for the life of the loan. † Consult your tax advisor. Downey Federal Credit Union 8237 Third Street | P.O. Box 4639 Downey, CA 90241-1639 American Share (562) 862-8141 Insurance www.downeyfcu.org Federally insured by NCUA.
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