APR = Annual Percentage Rate. All offers subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility. OC Federal Credit Union may discontinue or modify offers without notice. OC Federal Credit Union is federally insured by the NCUA up to $250,000 and is an Equal Housing Lender. NMLS #413040

¹ Up to 100% Loan to Value (LTV) Ratio for a maximum loan amount of $250,000.00. Current Prime Rate is 7.50% as of December 19, 2024. Member’s specific rate is subject to application, approval, and acceptable property appraisal and title search; loan-to-value (LTV) ratio; credit history; line amount; lien position, whether or not property is owner-occupied and meeting certain underwriting criteria. Advertised rates are subject to change at any time. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 10-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Insurance must be carried on the real property securing the account, and flood insurance must be carried if the structure on the real property is located in a Special Flood Hazard Area. Annual maintenance fee of $99.