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Hot Deal

KCT Home Equity Line of Credit (HELOC)
A home equity line of credit is perfect for ongoing home improvement projects, college tuition payments, or an emergency line of credit.
Use your home's equity to fund your next home improvement project
1.99% APR for 6 months*
No closing costs
¹ valued up to $310.00
Rates as low as 4.00% APR*

*Annual Percentage Rate (APR). Home Equity Line of Credit (HELOC). The intro rate of 1.99% APR is valid for the first 6 months following your closing. Afterwards, your rate will change to the prevailing rate based on the Prime Rate, currently at 4.25% APR, lien position and amount requested. The APR for KCT’s HELOC may change quarterly on January 1, April 1, July 1 and October 1 based upon the Prime Rate as reported by the Wall Street Journal. The floor for KCT’s HELOC is 4.00% APR, and the ceiling is 18.00% APR. Owner occupied, primary residence only. Interest may be tax deductable, consult your tax advisor to find out if you qualify. Minimum HELOC line amount is $5,000. Rates subject to change. All loans subject to approval. Membership and other qualifications apply.  
¹KCT Credit Union will waive closing costs if credit line is $10,000 or greater. Closing costs include a $245 appraisal fee (approximate) and a $65 title search fee. You may be charged a $50 inactivity fee if no transaction is made within 12 months. A late charge of 5% or $10, whichever is greater, will be assessed if payment is more than 10 days late.

Contact Information
phone: (847) 741-3344
Offer Valid: September 1, 2017October 31, 2017
Elgin Area Chamber of Commerce