*Home Equity Line of Credit Disclosure:

INTRODUCTORY INTEREST RATE. INTRODUCTORY INTEREST RATE. An introductory ANNUAL PERCENTAGE RATE (APR) of 3.99% is available for home equity line of credit accounts only and applies to the monthly balances for the billing cycles beginning with the account open date until January 1, 2027. At the end of the introductory rate, on January 1, 2027, your APR changes to a variable rate of interest as low as 3.00%, although your applicable rate may differ based upon your credit history available as of the date of loan approval. To receive the introductory rate, the completed application must be submitted between April 1, 2026 and June 30, 2026 and the account opened by August 31, 2026 with your consummation (closing) of the mortgage loan. This special offer is for a limited time only and cannot be combined with any other offer. This offer is not available for current MUCU HELOC or Home Equity loan borrowers. After the introductory rate expires, your margin, rate, and payment may differ based upon your credit history available as of the date of loan approval and your rate will never be lower than 3.00% or higher than 18.00%. After the introductory period, the applicable APR is a variable rate that may change based on the prime rate of interest as published in The Wall Street Journal’s listing of “Money Rates” and determined on the last business day of each quarter and effective on the first business day of each quarter, plus a margin. Option for 90% LTV available. Maximum loan amount is $150,000. Minimum initial draw is $20,000. NMLS#500296

**In most cases, there is no cost, but an appraisal fee and/or title insurance may be required at member’s expense.