1.  The APR will be variable based on the Prime Rate as published in the Wall Street Journal as of the 25th day of the month (current prime rate as of 12/19/08 is 3.25%)   However, APR will never go below 4.00% or exceed 16.00%.

 

2.  APRs will be reduced with auto-debit from a UCNB checking account.

 

3.  Fixed-Rate Home Equity Loans and Lines of Credit are limited to NJ owner-occupied  1-2 family dwellings.

 

4.  Household income under $59,008.00 and maximum loan amount of $5,000.00.

 

5.  Must be linked to a UCNB account only.

6. Subject to Credit Approval.