Home Equity Refinancing, travel, home improvements, a college education. When it comes to funding life’s big-ticket items, our Home Equity Loans and Lines Of Credit make perfect financial sense. Better yet, depending on their ultimate use, the interest paid may be tax deductible (consult a tax advisor). Fixed Rate Home Equity Loans 5.49% APR* - 5 year term Other rates & terms available No closing costs Same day loan approval Imperfect credit OK** Apply NOW!       Rates and Terms *5.49% APR available for qualifying properties with a loan-to-value (LTV) of 80% or less, and repayment period of 60 months. Advertised rate is lowest available (as of 10/10/08) and includes a .25% discount with automatic payment from an active Pawtucket Credit Union checking account. Other rates and terms available. Applicable trust review fees apply. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. If a Home Equity Loan is paid in full within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. Repayment example: $19.10 per $1,000 borrowed, based on 5.49% APR, 60 monthly payments. **Certain restrictions apply. Equity Lines of Credit 4.00% Variable APR as of 12/18/08 Imperfect credit OK** No annual fee or closing costs Same day loan approval Apply NOW!       Rates and Terms Advertised variable APR reflects the minimum APR of 4.00% and is the lowest available APR. Future rate adjustments will be based upon Prime Rate as published in The Wall Street Journal (3.25% as of 12/18/08); however, the APR will never be less than 4.00%. Other rates and terms available. Interest rate and line amount determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. Applicable trust review fees apply. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. APR will not exceed 21% or fall below 4.00%. If a Home Equity Line is paid in full and closed within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. **Certain restrictions apply. Equal Opportunity Lender. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency