Rates Effective: Tuesday, April 29, 2008. These rates are subject to change without notice.

Home Improvement
Description	Months	APR*
Fixed Rate Home Equity	0 - 60	6.74% to 7.99%**
	61 - 84	6.99% to 8.24%**
	85 - 120	7.24% to 8.49%**

Home Equity Line of Credit
Description	Years	Loan to Value	APR*
Home Equity Line of Credit (Variable)	15	0% - 80.00%	6.00%**
		80.01% - 90%	6.50%**
		90.01% - 95%	7.00%**
		Special Introductory Rate: 3.99% for the first year!***

 

 

 

 

*APR = Annual Percentage Rate.
**BWCU home equity loans may be subject to actual closing costs, including an origination fee.
***APR after first year will adjust monthly to the Prime Rate as published in the Wall Street Journal (if 80% or less loan to value), Prime plus 1% (if 81% to 90% loan to value), or Prime plus 2% (if above 90% loan to value). For qualified borrowers. All rates are subject to change without notice. Effective 03/03/08.