Upstart
/ NMLS ID: 2443873
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Intro APR 6.520 %
After Intro: 6.520 %
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$20,800
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- As low as 6.52% APR on your initial draw*
- Get your money up to 6x faster than the industry standard*
- Fixed rate on each draw*
- No paperwork needed to apply
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1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873.
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Figure Home Equity
/ NMLS ID: 1717824
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Intro APR 6.900 %
After Intro: 6.900 %
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$15,000
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Learn More
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- Flexible terms, borrow $15K-$750K, redraw up to 100%
- Use to consolidate debt or finance your next home project
- 100% digital app & automated valuation
- Largest non-bank HELOC lender in the US
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Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
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Rate
/ NMLS ID: 2611
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Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi
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- Nation's #2 retail mortgage lender in 2024.
- Apply in 5 minutes, get your money in as fast as 5 days.
- Digital application experience.
- No in-person appraisal needed.
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A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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Reliant Home Funding, Inc
/ NMLS ID: 292473
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Intro APR 6.900 %
After Intro: 6.900 %
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$15,000
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Learn More
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- Relationships Rule: Transactions end, Relationships remain
- Accountability is Personal: Reflection before Projection
- Service through Knowledge: Great service means great understanding
- Evolve to Excel: We need to adapt and improve to succeed
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Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company.
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Eastern Bank
Equal Housing Lender
/ NMLS ID: 451827
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Intro APR 7.250 %
After Intro: 7.250 %
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$25,000
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Learn More
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- Simple online applications means you can apply anywhere.
- Ability to convert your variable rate into as many as five fixed-rate loans.
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The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (7.50% APR on 7/1/2025) minus 0.25% APR adjusted after each billing cycle. To qualify for the lowest rate, a minimum draw of $25,000 is required at closing with automatic payments from an Eastern Checking Account. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,000,000. Must be for first or second lien, secured by your 1-4 family primary or secondary residence located in MA, NH, RI and CT. Investment properties are not eligible to be used to secure the line. Combined loan to value limits apply. Property insurance is required. Flood insurance may be required. Subject to credit application and approval. Rates are subject to change without notice. Appraisal fees range from $490 for single family homes to $610 for multifamily properties but could be higher. Title Search is paid by Eastern Bank as is Title Insurance unless the amount borrowed is greater than $750,000 then customer may incur a title Insurance fee, the fee varies by loan amount and state (CT, MA, NH & RI). Certain fees could apply depending on your situation. Customer is responsible for trust and power of attorney review ($100 each), recording fees for power of attorney and for properties held in trust ($105- $123). A list of fees is available upon request. A $350 early cancellation fee applies if the line is closed or rewritten within the first 24 months. Subject to a $50 annual participation fee.
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New American Funding, LLC
/ NMLS ID: 6606
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Cash-Out and Home Equity Options Available.
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Learn More
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- Competitive Rates for FICO Scores 580-679
- 366k+ positive reviews, A rating from the BBB
- Pay off higher interest rate credit cards, Pay college tuition
- 100% online mortgage application available
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Cash-Out and Home Equity Options Available.
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Upstart
/ NMLS ID: 2443873
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As low as 6.77% APR on your initial draw*
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Learn More
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- As low as 6.77% APR on your initial draw*
- Get your money up to 6x faster than the industry standard*
- Fixed rate on each draw*
- No paperwork needed to apply
More Info
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1. APRs for initial advances range from 6.77% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made.
2. As of October 2024, 10% of funded HELOCs achieved a closing timeline of 6 days or less and a funding timeline of 10 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days.
3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
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Figure Home Equity Line
Equal Housing Lender
/ NMLS ID: 1717824
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HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.
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Learn More
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- Fastest way to turn home equity into cash
- Flexible terms, redraw up to 100%, borrow $15k-$750k
- Approval in as little as 5 minutes. Funding in as few as 5 days.
- Use to consolidate debt or finance your next home project
More Info
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The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
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Spring EQ
/ NMLS ID: 1464945
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The leader for homeowners tapping cash from their homes since 2016.
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Learn More
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- Access up to 90% of your home's equity, up to a maximum of $500,000.
- FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
- A fixed rate for life- no need to worry about fluctuating rates.
- We make it easy - and fast - to access your cash (as little as 11 days).
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About Spring EQ’s Rates and Terms
Spring EQ LLC NMLS ID #1464945 (nmlsconsumeracces.org).
No prepayment penalty. No need to refinance your first mortgage.
Closed-end fixed rate loans and fixed and adjustable rate HELOC options are available. Spring EQ is an Equal Housing Lender. These results are for informational purposes only. This offer is an invitation to apply for an offer for credit or a loan and should not be construed as an indication of eligibility or a binding underwriting decision. Rates are subject to change based on market conditions and the entries of your specific application.
All loans are subject to $995 origination fee and annual fee of $99 (except in certain states, where fees may be lower or not applicable), plus third-party fees. Monthly payment shown reflects monthly principal and interest amortized over the term of the loan based on the initial draw amount.
Spring EQ applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Any pre-qualification or result is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers are required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile and property value, $25,000 initial draw requirement OR 75% of the line amount (whichever is greater), a FICO score of 640 or greater, and a debt-to-income ratio of less than 50%. Actual rate and APR for qualified borrowers will be determined by a combination of factors, including their creditworthiness as determined by a single credit bureau pull, loan amount requested, property value, and more.
In addition to these, other factors specific to applicants' profile and Spring EQ's Underwriting Guidelines may impact rate and eligibility. Offers subject to origination fees based on loan type and property state.
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AmeriSave Mortgage Corporation
/ NMLS ID: 1168
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Home Equity Loans & Refinance – Cash out
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Learn More
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- Home Equity Loans & Refinance – Cash out
- Customized rate quote with no impact to credit
- Low Rates, Quick Approvals, Wide Range of Products
- Over 100 Billion Funded. 22 Years in Business
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• Home Equity Loans & Refinance – Cash out
• Customized rate quote with no impact to credit
• Low Rates, Quick Approvals, Wide Range of Products
• Over 100 Billion Funded. 22 Years in Business
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PenFed Credit Union
Equal Housing Lender
/ NMLS ID: 401822
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Home Equity Line of Credit - Equal Housing Lender
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Learn More
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- Home Equity Line of Credit - Equal Housing Lender
- Loans Amounts from $25,000 - $500,000
- Get a HELOC from PenFed to Put Your Home Equity to Work
- HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
More Info
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Interest-only payments during the 10-year draw period
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Liberty Bank
Updated 2025-07-30
/ NMLS ID: 459028
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Intro APR 5.990 %
After Intro: 7.000 %
Intro Period: 12 months
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$0
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M&T Bank
Updated 2025-07-30
/ NMLS ID: 381076
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Intro APR 5.990 %
After Intro: 8.090 %
Intro Period: 6 months
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$0
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HSBC
Updated 2025-07-30
/ NMLS ID: 399799
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Intro APR 5.990 %
After Intro: 8.850 %
Intro Period: 12 months
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$25,000
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Bank of America
Updated 2025-07-30
/ NMLS ID: 399802
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Intro APR 6.490 %
After Intro: 8.020 %
Intro Period: 6 months
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$100,000
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KeyBank - Syracuse
Updated 2025-07-30
/ NMLS ID: 399797
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10.200 %
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$0
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Union Savings Bank
Updated 2025-07-30
/ NMLS ID: 402258
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Intro APR 5.490 %
After Intro: 7.500 %
Intro Period: 6 months
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$0
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The Milford Bank
Updated 2025-07-30
/ NMLS ID: 787619
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6.750 %
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$0
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Corporate America Family CU
Updated 2025-07-30
/ NMLS ID: 456438
See Table
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7.500 %
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$0
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TD Bank
Updated 2025-07-30
/ NMLS ID: 399800
See Table
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7.890 %
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$0
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Navy FCU
Updated 2025-07-30
/ NMLS ID: 399807
See Table
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7.750 %
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$0
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Washington Trust Bank
Updated 2025-07-30
/ NMLS ID: 728368
See Table
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8.000 %
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$0
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
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Westfield Bank Updated 03/03/2023
See Table
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1.993 % |
Varies |
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Centreville Bank Updated 02/24/2023
See Table
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2.990 % |
Varies |
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Liberty Bank Updated 09/22/2023
See Table
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2.990 % |
Varies |
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Pentagon Credit Union Updated 06/25/2020
Restrictions
See Table
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3.750 % |
Varies |
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Citibank, National Association Updated 01/19/2021
See Table
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3.990 % |
Varies |
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Chelsea Groton Bank Updated 06/25/2019
See Table
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4.740 % |
Varies |
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State Employees Cu Of Maryland, Inc Credit Union Updated 01/17/2020
Restrictions
See Table
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4.750 % |
Varies |
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Alliant Credit Union Updated 01/17/2020
Restrictions
See Table
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4.750 % |
Varies |
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Collinsville Bank Updated 06/04/2019
See Table
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4.990 % |
Varies |
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Salem Five Cents Savings Bank Updated 11/02/2022
See Table
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4.990 % |
Varies |
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Ives Bank Updated 08/23/2019
See Table
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5.000 % |
Varies |
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The Torrington Savings Bank Updated 08/23/2019
See Table
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5.000 % |
Varies |
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Northwest Community Bank Updated 08/23/2019
See Table
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5.000 % |
Varies |
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The National Iron Bank Updated 08/22/2019
See Table
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5.250 % |
Varies |
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The Milford Bank Updated 08/29/2019
See Table
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5.250 % |
Varies |
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The Guilford Savings Bank Updated 08/23/2019
See Table
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5.250 % |
Varies |
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Dime Bank Updated 08/19/2019
See Table
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5.250 % |
Varies |
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The Washington Trust Company, Of Westerly Updated 08/23/2019
See Table
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5.250 % |
Varies |
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Union Savings Bank Updated 08/07/2019
See Table
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5.500 % |
Varies |
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United Bank Updated 08/23/2019
See Table
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5.500 % |
Varies |
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Data provided by BestCashCow
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