1)

APR (Annual Percentage Rate) is variable and based on the Prime Rate as published in the Wall Street Journal (currently 5.75%) minus 0.50% for Prime Minus Ready Equity, minus 0.75% for Piggy Back Prime Minus. The current ceiling is 10.75% (6% over fully indexed initial rate). Subject to credit approval. Single family/owner occupied home in California. Adequate property insurance required (may include flood insurance). Maximum CLTV: 80% to $250,000. Minimum line to apply for is $25,000, and minimum draw is $15,000 at loan closing. Certain restrictions apply.

2)

Provident will pay for title, appraisal, escrow fee, recording fees, credit report, and flood certification on new lines of credit up to $250,000 only. Closing costs are required for loans that require special handling or for rural properties. Annual fee is $75. There is a $150 application deposit due at the time you submit your application and is refunded when the loan is funded. Call for details.

3)

Up to 1/2% on purchases, paid out annually in November.

This credit union is federally insured by the National Credit Union Administration (NCUA).