Home Equity Loan Rates

Rates effective beginning October 9, 2008.

APR = Annual Percentage Rate.

Equity LinePLUS

No annual fees, application fees, or closing costs.
Low minimum monthly payment – Only 1% of outstanding balance. **Borrow up to 80%** of your home value minus your first mortgage.
Our Best Rate¹		¹ All rates are determined by your personal credit history. Our Best Rates are for members with the best credit. Other rates may apply.
Rate Index	As low as Prime minus 1/4% (.25%)
APR	4.25%

² Rates are determined by your personal credit history.
Our Best Rates rates are for members with the best credit. Other rates may apply.

Available in all states with the exception of TX and CT.
No Closing Costs excludes state mortgage taxes in FL, KS, MD, MN, NY, OK, TN, and VA.
The minimum APR is 4.00%. The maximum APR is 18.00%.

Equity Line 1-2-3

No annual fees, application fees, or closing costs.
Minimum lines of $200,000. Minimum balance of $20,000 to avoid $20 monthly inactivity fee. Equity Line 1-2-3 has a $200 early closure fee if it is closed in 2 years or less. **Borrow up to 80%** of your home value minus your first mortgage. The APR may vary.
Our Best Rate¹		¹For members with outstanding credit. Some credit restrictions may apply.
Rate Index	Prime minus 1.23%
APR	4.00%

Fixed Rate Home Equity Installment

and Equity LinePLUS fixed-rate advances

No closing costs, application fees, or annual fees. **Borrow up to 80%** of your home value minus your first mortgage.
Term	Our Best Rate²
	APR	Estimated Monthly Payment per $1,000
Up to 5 years	6.75%	$19.65
Up to 10 years	7.00%	$11.61
Up to 15 years	7.25%	$9.13
Up to 20 years	7.75%	$8.21

² Rates are determined by your personal credit history.
Our Best Rates rates are for members with the best credit. Other rates may apply.

No Closing Costs excludes state mortgage taxes in FL, KS, MD, MN, NY, OK, TN, and VA.

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Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797