*The Personal Line of Credit (PLOC) is subject to borrower qualification and underwriting guidelines. The APR (annual percentage rate) is variable and will be adjusted monthly. The APR is based on an index (Wall Street Journal Prime Rate) plus a margin. The margin is determined based on information contained in the applicant’s credit report including multiple credit scores. The draw period is the period during which you can access line subject to available funds and the monthly payment is based on the greater of $30 or 2.00% of the outstanding balance plus accrued interest. After the draw period ends, the line is no longer accessible and the repayment period begins. Monthly payment in the repayment period is 1/48th of the outstanding principal as determined on the first day of the repayment period plus accrued interest. There is a one-time document preparation fee of $25 and an annual fee of $25 in the 13th and 25th months. Please refer to the current Loan Rate sheet or call us for current rates.