At This Rate, Imagine
What’s Possible.
Kick off your big plans with our
Home Equity Line of Credit and
a special fixed rate for the first year.
1.99% APR1 for the first year if you draw
10% or more of the loan at closing
3.25% APR2 Prime for life, thereafter
Or, 2.24% APR1 for the first year if you draw
less than 10% of the loan at closing
3.50% APR2 Prime plus 0.25% for life, thereafter on
loans with a CLTV greater than 65%
Perfect for debt consolidation, big purchases,
dream vacations and more! Apply online
or schedule a time to apply at your local branch.
www.ridgewoodbank.com | (866) 772-4111
1 1.99% APR (annual percentage rate) for the first year if you draw 10% or more of
the loan at closing, or 2.24% APR for the first year if you draw less than 10% of the
loan at closing, followed by a variable APR as low as Prime Rate. The introductory
APR is fixed for one year (twelve months). After the first year, the APR is determined
by Combined Loan to Value (CLTV) ratio. If CLTV is 65% or less, the rate is prime for
a primary or vacation home, prime plus 0.25% for an investment property. If CLTV
is greater than 65%, the rate is prime plus 0.25%. All rates can change monthly. The
maximum APR is 10.99%.
2 The Prime APR is variable based on the U.S. Prime Rate as published in the Wall
Street Journal, plus a margin (if applicable). The minimum floor APR is 3.25%. If
CLTV is 65% or less, the rate is prime for a primary or vacation home, prime plus
0.25% for an investment property. If CLTV is greater than 65%, the rate is prime
plus 0.25%. HELOCs are variable rate products and rates may not exceed the
maximum APR of 10.99%. The Prime Rate as of 6/01/2021 = 3.25%. Loan products
and services subject to credit approval. All loans secured by a mortgage/lien
on the property. Rates and terms are subject to change without notice. Rates
are effective as of 6/01/2021.
COURIER LIFE, AUGUST 20-26, 2021 11
© 2021 Ridgewood Savings Bank
All rights reserved
Koduah & Co.
Skincare
Welcome to Koduah & Co. Skincare. We are here to
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“Skincare is our love language, get skin that glows,
the way nature intended.”
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