**Home Equity Loan: Closed-end home equity loan annual percentage rate (APR) applies to a 60-month term with a minimum of $20,000 in new borrowings or a 120-month term with a minimum of $50,000 in new borrowings. Automatic transfer from a NexTier checking account is required with 85% maximum loan-to-value (LTV) and a minimum 700 FICO score. Not for the purchase of homes. Rates and terms may vary by property type, loan amount, LTV ratio, and FICO score. Owner-occupied properties only. Other rates and terms available. Property insurance is required and flood insurance may be required. Offer may be withdrawn or changed at any time. Examples: The monthly payment on a 60-month loan of $20,000 is $368.26, on a 120-month loan of $50,000 is $524.07. Payments do not include amounts for taxes and insurance premiums, actual payment obligation may be greater. See bank for details.
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