Rate variable based on the Wall Street Journal Prime Rate (Prime) + a margin (determined by individual creditworthiness and loan-to-value ratio), with a floor of 4.00%. APR available for qualifying properties with a loan-to-value (LTV) of 80% or less.  Credit Scores of 700+ will receive a margin of -.75%. Credit Scores of 675-699 will receive a margin of .25%. Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Coastal1 HELOC refis must increase existing line by $30k to qualify. No Annual Fee!  APR will not exceed 21% or fall below 4.00%. No annual fees.   Rate as of 1/26/2023 and subject to change. Equal housing lender.

Existing Coastal1 Credit Union Spectrum Home Loans are not eligible for this promotion. 5.750% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 1/26/2023. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $9.63 per $1,000 borrowed, based on 5.750% APR, 144 monthly payments. Equal Housing Lender.

6.000% Annual Percentage Rate (APR) available for qualifying properties with a loan-to-value (LTV) of 80% or less, and a repayment period of 60 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 1/26/2023). Other rates and terms available. 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. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Repayment example: $ per $1,000 borrowed, based on 6.000% APR, 60 monthly payments. Equal Housing Lender.