Annual Percentage Rate (APR) accurate as of 4/18/2021. The introductory APR of 2.99% will be in effect for the first 12 months of your loan. APR is variable and subject to change monthly beginning with the 13th billing cycle and is based on the highest Wall Street Journal Prime Rate on the last business day of each month. Rate will never exceed 18.00% APR. However, the APR can never go below the minimum APR of 3.25%. As of 4/18/2021, effective APR would be 3.25% based on Wall Street Journal Prime Rate of 3.25% and our current floor of 3.25% APR. Minimum monthly payment will be based on monthly interest due for the 10-year draw period followed by monthly interest due plus 1/120th of the principal for the remaining term of 10 years. Available on 1-6 family owner-occupied homes and condominiums only. Loans available from $10,000 up. If the Line is closed within 24 months, the Bank’s expenses must be repaid and can range from $500-$1500 depending on the requirements. All loans are subject to credit approval. Property insurance required. Flood insurance may be required. Additional fees applicable for Condo's, Life Estates and properties held in Trust. You may borrow up to 80% of the available equity you have in your home. All existing BankFive home loan refinances require an additional $10,000 new money. Requires automatic loan payment withdrawal from a BankFive checking account to receive introductory rate. Offer subject to change or termination at any time.  Minimum FICO score is 680 and maximum debt to income service of 43%.