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 Available in fixed and adjustable rates Loan amounts up to $250,000 Preferred rates with auto-pay Imperfect credit OK** Instant Loan Decisions Apply NOW!       Rates and Terms Equity Lines of Credit Promotional rate for 12 monthly billing cycles* Write your own loan anytime for any reason Credit lines up to $250,000 Imperfect credit OK** Instant Loan Decisions Apply NOW!       Rates and Terms *Advertised Introductory 1.99% Annual Percentage Rate (APR) is the lowest available, is fixed for the first 12 months requiring payment from an active Pawtucket Credit Union checking account and an initial disbursement of $25,000 or more immediately after 3-day rescission period. Offer applicable for applicants with a credit score of 700 or higher. After initial 12 monthly billing cycles, rate becomes variable based on Prime, with a floor of 4.00% (4.00% APR as of 10/5/11). 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%. No annual fee for first year, then $50 per year. If a Home Equity Line is paid in full and closed within twelve (12) months of open date, 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. Existing PCU home equity lines/loans are not eligible for refinance with this promotion. **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