THE SUMMIT IS AN EQUAL HOUSING LENDER. Membership eligibility required. Limited time offer. Subject to change without notice. 1. Loans subject to credit approval and certain limitations may apply. Closing costs (when applicable) include a title search, abstract redate, mortgage tax, filing fees, flood certificate fee, Credit Union appraisal fee, and title insurance, and are estimated to range from $495 to $1,500. Property insurance required. If you opt not to pay the closing costs associated with your home equity line of credit (HELOC), you must reimburse us for all costs we paid to third parties to open your HELOC unless you keep account open for at least 3 years from the HELOC open date. 2. APR as low as 5.45% available for line limits greater than $50,000. For line limits between $15,000 and $50,000, the APR as of 3/16/2019 was 5.60% and for line limits of $15,000 or less was 5.75%. The introductory APR used during the first 6 months after the open date is not based on the index and margin used to make later adjustments. After the introductory rate expires, account subject to a variable rate based on the highest Prime Rate as published in the Wall Street Journal’s Money Rates Section in effect on the day that any introductory period expires and subsequently on the last Tuesday of the calendar month immediately preceding each change date plus a margin. As of 3/16/2019, on a minimum of $50,000.01 HELOC, the fully-indexed APR was 5.45%, based on a Prime Rate of 5.50% minus 0.050%. Thereafter, variable rate subject to change based on the highest Prime Rate and a margin of -0.050% to +0.250% depending on the line limit. Maximum 18% APR. See branch for details.