*Annual Percentage Rate | Introductory Rate as low as 4.99% APR is fixed for the first six (6) months. Applicable rates apply after intro period. Rate listed is our best rate based on credit approval and our lending requirements. Actual interest offered may be higher depending on applicant’s credit rating and other underwriting factors. APR will vary depending on individual credit history. Annual Percentage Rate as low as Prime + 0%. Rates are variable and base on Prime as published in The Wall Street Journal, with a ceiling of 18.00%. **If loan is closed within first 24 months, borrower will reimburse the credit union for closing costs. Minimum $10,000 initial advance. ***Property must be primary residence and located in the state of Georgia. Neither modular, nor mobile homes are eligible. Program, rates, terms and conditions are subject to change without notice. Membership requirements apply. Equal Opportunity Lender.