3.99% INTRO APR*
FlexStart Home Equity Line of Credit
ONE OF THE LOWEST RATES IN MASSACHUSETTS!
Whether you’re planning ahead or are ready to borrow now, our 3.99% APR* FlexStart Home Equity Line of Credit gives you the freedom to draw funds as needed while keeping costs down from day one.
Lock in the rate. Unlock your home’s equity.
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*Introductory rate of 3.99% Annual Percentage Rate (APR) for the first 12 months. After the introductory period, the rate will adjust to a variable APR equal to the Wall Street Journal Prime Rate minus 0.50%, with a floor rate of 5.00% APR. The current Prime Rate is 6.75% as of 03/25/2026. $25,000 minimum initial draw at closing. $10,000 minimum for each subsequent draw. Minimum loan amount of $25,000 with a maximum combined loan-to-value (CLTV) of 80%. Early termination fee of 3% of the outstanding loan balance or $1,500 (whichever is greater) if the line is closed within 36 months of the initial draw. 10-year draw period followed by a 20-year repayment period. Interest-only payments required during the draw period. Offer applies to new money and new loans only. Open to both owner occupied and rental properties. Existing Luso American Credit Union Home Equity Lines of Credit are not eligible for this offer. No rewrites permitted. Offer applies regardless of first lien holder. Closing costs may and typically do apply. Homeowner’s Insurance is required. Flood Insurance may be required. Interest paid on your Home Equity Line of Credit may be tax deductible; please consult your tax advisor. Subject to credit approval. Membership eligibility required. Insured by MSIC. Federally Insured by NCUA. Equal Housing Lender. NMLS #407560.