Term	Annual Percentage Rate
1 to 5 Years (With Maximum Loan Rate Discounts)	5.40%
1 to 5 Years	6.30%
6 to 10 Years**	7.30%

**Loan Rate Discount Do Not Apply

Higher rates may apply on applications with higher indications of credit risk. Creighton Federal reserves the right to adjust rates based on applicant credit history and credit score.

Complete a Fixed Rate Home Equity Loan App. Online

Utilize the equity in your home to borrow money for a wide variety of purchases, and get a tax break too.* An ideal loan for home renovation or improvement projects, new car purchases, college education expenses and much more. At Creighton Federal, you can get a fixed-rate, fixed-term home equity loan, or opt for the convenience of a home equity line of credit. Call Ron at 402-341-2121 or 1-800-967-1477 and ask how a Creighton Federal Fixed Rate Home Equity Loan can work you.

*The interest paid on a home equity loan may be tax deductible. A loan calculator is available to help you compute your monthly payments.

Disclosures
CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms Subject to Change. The rates contained herein are for illustration purposes only. The terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Terms of Repayment. Interest rates for closed end credit are fixed. For example, the following repayment terms would apply:

For closed ended Fixed Rate Home Equity Loans, Fixed rate of 6.30%-12 monthly payments of $86.21 per $1000 borrowed or 24 monthly payments of $44.46 per $1000 borrowed, or 36 monthly payments of $30.56 per $1000 borrowed, or 48 monthly payments of $23.62 per $1000 borrowed, or 60 monthly payments of $19.47 per $1000 borrowed, discounts not applied. Fixed Rate of 7.30%-72 monthly payments of $17.06 per $1000 borrowed, or 84 monthly payments of $15.24 per $1000 borrowed, or 96 monthly payments of $13.78 per $1000 borrowed, or 108 monthly payments of $12.66 per $1000 borrowed, or 120 monthly payments of $11.77 per $1000 borrowed.