5 One Low Rate Create the life you want. Make the equity in your home work for you. Make the most out of your home's equity with a Home Equity Line of Credit (HELOC). Borrow anywhere from $10,000 to $250,000, enjoy adjustable rates with flexible terms-plus, no penalties for paying off your loan early. Whether it's renovating your space, consolidating debt, or funding once-in-a-lifetime experiences, our HELOC is designed to partner with your potential. Get started by visiting us at Hughes FCU.org/HELOC Hughes Federal Credit Union HughesFCU.org | 520-794-8341 Insured by NCUA. Equal Housing Lender. NMLS #411592. Adjustable Rate: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first (1st) work day of each month within the calendar quarters beginning with January, April, July and October ("the Index") plus a margin of 10% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity Loans, the rate shall be determined by using the Index plus a margin of 6.5% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged and shall not exceed the maximum interest rate "cap" of 18%, whichever is less, and shall not decline below the minimum interest rate of 5% 5 One Low Rate Create the life you want . Make the equity in your home work for you . Make the most out of your home's equity with a Home Equity Line of Credit ( HELOC ) . Borrow anywhere from $ 10,000 to $ 250,000 , enjoy adjustable rates with flexible terms - plus , no penalties for paying off your loan early . Whether it's renovating your space , consolidating debt , or funding once - in - a - lifetime experiences , our HELOC is designed to partner with your potential . Get started by visiting us at Hughes FCU.org/HELOC Hughes Federal Credit Union HughesFCU.org | 520-794-8341 Insured by NCUA . Equal Housing Lender . NMLS # 411592 . Adjustable Rate : The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first ( 1st ) work day of each month within the calendar quarters beginning with January , April , July and October ( " the Index " ) plus a margin of 10 % and adjusted upward to the nearest 0.250 % on loans with a loan - to - value of 80 % or less . On loans with a loan - to - value higher than 80 % , the rate shall be determined by using the Index plus a margin of 2.0 % and adjusted upward to the nearest 0.250 % . On Credit Builder Home Equity Loans , the rate shall be determined by using the Index plus a margin of 6.5 % and adjusted upward to the nearest 0.250 % . The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged and shall not exceed the maximum interest rate " cap " of 18 % , whichever is less , and shall not decline below the minimum interest rate of 5 %