General - Rates and terms available on new loan accounts only. Refinancing of existing VISIONS loans does not qualify. Certain relationships required to receive promotion offers – ask for details. Credit union membership required with a $25 minimum deposit and $1.00 membership fee. APR = Annual Percentage Rate. All loan rates based on credit worthiness and may vary from those shown and are subject to standard credit criteria. All variable rates may change monthly. Other terms are available. Home Improvement Loan - Payment amount based on $10,000 loan at a variable rate of 4.90%APR variable with a 60 month term (approx.); maximum loan amount $20,000. Appliance Loans - Payment based on an $8,000 loan at 6.90%APR variable with a 60 month term (approx.) Maximum signature loan limit is based on creditworthiness. See credit union to determine amount for which you qualify. Fixed Rate Equity - Equity loans not to exceed 80% of property value. Visions will pay closing costs up to $100,000 with a minimum draw of $25,000 and a maximum term of 120 months, with the exception of attorney and research fees. On a $100,000 loan, payment would be $1,884.75 at 4.95%APR for 60 months. Monthly payment is example only and will vary based upon loan amount. Members may pay closing costs which can range from $1,128 to $2,000. Consult your tax advisor regarding interest deductions. Property insurance is required. Flood insurance may be required.