Third Federal Savings and Loan
Equal Housing Lender
/ NMLS ID: 449401
See Table
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Intro APR 6.990 %
After Intro: 6.990 %
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$0
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Learn More
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- Third Federal rate are typically 20% lower than other leaders
- Guaranteed Lowest Rate
- No closing costs, prepayment penalties, or minimum draw requirements
- 10 year draw period
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Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
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Reliant Home Funding, Inc
/ NMLS ID: 292473
See Table
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Intro APR 7.250 %
After Intro: 7.250 %
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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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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
More Info
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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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Figure Home Equity
/ NMLS ID: 1717824
See Table
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Intro APR 7.250 %
After Intro: 7.250 %
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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
More Info
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Available APRs range from 6.70% - 14.65%*, 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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Four Leaf Federal Credit Union
/ NMLS ID: 449104
See Table
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Intro APR 6.490 %
After Intro: 7.750 %
Intro Period: 12 months
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$25,000
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Learn More
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- Tap into your home's equity & access the funds you need with a HELOC
- Apply online or speak with a specialist
- No application, origination & appraisal fees on lines up to $500K[3]
- On average, access funds within 35 days[5]
More Info
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Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account.
Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value.
If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate.
The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000.
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Unlock Technologies, Inc.
/ NMLS ID: Not a Lender
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Get cash now in exchange for a percentage of your homes future equity.
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Learn More
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- No monthly payments or interest charges
- Minimum Credit score: 500
- Access up to $500k
- No need to refinance
More Info
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Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply!
No Additional Debt!
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Farmers Bank of Kansas City
Equal Housing Lender
/ NMLS ID: 613839
See Table
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Intro APR 8.500 %
After Intro: 8.500 %
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$25,000
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Learn More
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- Customized Rate Quote
- 24/7 Online Borrower Portal
- Streamlined Online Application
- Up to 100% LTV
More Info
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This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only.
Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding.
Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms.
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Achieve Loans
/ NMLS ID: 1810501
See Table
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Intro APR 10.125 %
After Intro: 10.125 %
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$0
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Learn More
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- Competitive rates, Pre-qualify in minutes
- Mortgage Advisors standing by to help find the best solution
- Flexible terms with fast funding
- Minimum credit score: 640
More Info
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Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details.
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District Lending
/ NMLS ID: 598623
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No Lender Fees
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Learn More
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- No Lender Fees
- Fast
- Easy
- Over 20 Years Experience
More Info
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HELOC, HELOAN or CASHOUT REFI all available.
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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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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
More Info
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Cash-Out and Home Equity Options Available.
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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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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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Amboy Bank
/ NMLS ID: 418478
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LOAN SALE! Guaranteed 12-month low rate
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Learn More
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- LOAN SALE! 6.50% APR guaranteed for 12 months
- A 135-year-old bank in New Jersey. Voted Best Bank 25 years in a row.
- Change your payment with just a phone call
- Ongoing access to principal as you pay it back
More Info
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Amboy Bank has been serving New Jersey for 135 years and has been voted the Best Bank in Central NJ by Home News Tribune readers for 25 years in a row.
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CrossCountry Mortgage, LLC
/ NMLS ID: 3029
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Unlock Your Home's Potential
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Learn More
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- Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
- Unlock Your Home's Value: Discover the Power of our Online HELOC!
- Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
- Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
More Info
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Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home.
To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified.
Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement.
These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
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Kearny Bank
Updated 2025-03-04
/ NMLS ID: 401080
See Table
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Intro APR 5.990 %
After Intro: 7.500 %
Intro Period: 6 months
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$0
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Valley National Bank
Updated 2025-07-01
/ NMLS ID: 411254
See Table
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Intro APR 6.490 %
After Intro: 7.250 %
Intro Period: 12 months
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$0
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Truist Bank
Updated 2025-07-01
/ NMLS ID: 399803
See Table
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Intro APR 5.740 %
After Intro: 7.250 %
Intro Period: 9 months
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$0
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M&T Bank
Updated 2025-07-01
/ NMLS ID: 381076
See Table
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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 2025-07-01
/ NMLS ID: 399799
See Table
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Intro APR 5.990 %
After Intro: 7.850 %
Intro Period: 12 months
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$25,000
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Corporate America Family CU
Updated 2025-07-01
/ NMLS ID: 456438
See Table
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7.500 %
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$0
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TD Bank
Updated 2025-07-01
/ NMLS ID: 399800
See Table
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7.790 %
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$0
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Navy FCU
Updated 2025-07-01
/ NMLS ID: 399807
See Table
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7.750 %
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$0
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Washington Trust Bank
Updated 2025-07-01
/ NMLS ID: 728368
See Table
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8.000 %
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$0
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PNC
Updated 2025-07-01
/ NMLS ID: 446303
See Table
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7.980 %
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$0
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Bank of America
Updated 2025-07-01
/ NMLS ID: 399802
See Table
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Intro APR 6.490 %
After Intro: 8.670 %
Intro Period: 6 months
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$100,000
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Fulton Bank of New Jersey
Updated 2025-07-01
/ NMLS ID: 613215
See Table
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Intro APR 6.490 %
After Intro: 7.750 %
Intro Period: 6 months
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$0
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Columbia Bank
Updated 2025-07-01
/ NMLS ID: 408590
See Table
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Intro APR 8.000 %
After Intro: 8.000 %
Intro Period: 12 months
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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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Blue Foundry Bank Updated 11/29/2022
See Table
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3.490 % |
Varies |
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Pnc Bank, National Association Updated 10/04/2022
See Table
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3.740 % |
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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Cathay Bank Updated 04/01/2020
See Table
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4.250 % |
Varies |
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Armed Forces Bank, National Association Updated 01/17/2020
See Table
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4.740 % |
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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Investors Bank Updated 06/25/2019
See Table
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5.250 % |
Varies |
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Parke Bank Updated 08/19/2019
See Table
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5.250 % |
Varies |
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Columbia Bank Updated 03/17/2023
See Table
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5.490 % |
Varies |
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Peapack Private Bank & Trust Updated 11/03/2022
See Table
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5.500 % |
Varies |
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Affinity Credit Union Updated 08/27/2019
Restrictions
See Table
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5.500 % |
Varies |
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Merck Employees Credit Union Updated 08/27/2019
Restrictions
See Table
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5.500 % |
Varies |
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Amboy Bank Updated 07/12/2024
See Table
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5.750 % |
Varies |
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Navy Federal Credit Union Credit Union Updated 01/30/2023
Restrictions
See Table
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5.750 % |
Varies |
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Northfield Bank Updated 09/15/2023
See Table
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5.990 % |
Varies |
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Haven Savings Bank Updated 01/18/2021
See Table
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6.000 % |
Varies |
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Provident Bank Updated 10/18/2022
See Table
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6.250 % |
Varies |
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Td Bank, National Association Updated 10/10/2022
See Table
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6.340 % |
Varies |
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Bank Of America, National Association Updated 04/21/2023
See Table
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6.490 % |
Varies |
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Data provided by BestCashCow
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