ANNUAL PERCENTAGE RATE (APR)*. All rates are subject to change without notice. Rates are based upon the type of loan, term of loan, method of payment and credit worthiness. All loan approvals are subject to normal underwriting guidelines. Home equity loan rates are based upon a loan to value ratio of 80%. Offer applies to owner occupied property. Promotion is limited to new home equity loans. Existing PCFCU home equity lines of credit or refinancing of existing PCFCU home equity loans are not included in this promotion. Eligible homes include single family units, townhomes, and condos. Eligibility for lowest rate includes having a PCFCU checking account with automatic payments. Checking account needs to remain open for the duration of the loan. Federally insured by the NCUA.