IBM Southeast Employees' Federal Credit Union

Put the equity in your home to work today for that new kitchen, hurricane preparations, a vacation or the special occasions your family will never forget.

NO CLOSING COSTS AND NO ORIGINATION FEES, APPLICATION FEES OR ANNUAL FEES*

Rates as low as Prime + 1.00%. Rate is 4.25% APR^* effective October 1, 2009
Online pre-approvals in 24 hours
Interest-only payment option – and credit lines can be opened for terms of up to 10 years and amounts up to $500,000*
Overdraft protection for your Checking account

Apply online today!

Your Credit Union is safe and sound!
IBM Southeast EFCU remains financially strong and your

funds are federally insured by NCUA to at least $250,000.

Save A Tree: By keeping your email address updated, we'll be able to send you important notifications and offers via email whenever possible. We'll save paper, printing, and postage costs and help the environment at the same time!

Email marketing@ibmsecu.org to update your email address. Please include your name, Member Number, and your new email address.

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*APR = Annual Percentage Rate. The minimum APR is 4.00% and the maximum APR is 18.00%. 4.25% APR is based on a credit score of 740 or higher with 70% Loan-To-Value (LTV). Higher LTV options also available. 80% Loan-To-Value offered on loans up to $100,000. Loans above $100,000 are available at 70% LTV. Actual rate will be based on creditworthiness and LTV. Prime Rate as of October 1, 2009 is 3.25% APR. The APR can change on the first day of each month and is based on the Prime Rate as of the last business day of the prior month. IBM Southeast EFCU Home Equity Lines of Credit are subject to income, address and identification verification and credit approval. For more information, please refer to When Your Home is on the Line, or contact a Mortgage Representative for full details on the certain rates, terms, fees and conditions that may apply. Offer available on owner-occupied homes. Borrower may need to purchase appraisal under certain conditions. Property, flood and mortgage insurance may be required. Certain conditions may apply regarding no-closing-costs offer. The Credit Union will pay your closing costs; maximum credit limit amounts apply. If you discontinue your Home Equity Line of Credit within three years, a surrender fee may be charged. Appraisal fee required when tax assessment or Automated Valuation Model (AVM) does not meet desired equity or home value is greater than $400,000 or loan amount is greater than $250,000. Loans not available in Texas. 24-hour approvals subject to certain conditions. Note: If your home does not increase in value and you are paying interest-only payments, you are not building equity. Your mortgage payment may significantly increase when the draw period is over and principal and interest payments are calculated.