APR=Annual Percentage Rate. Home Equity Loans and Lines of Credit are secured by your home. Available only on owner-occupied, California primary residences. 2.99% APR Introductory Home Equity Line rate valid for the first 12 months; after which will change to normal rate (as low as 4.500% to a maximum APR of 18.00%). Loans subject to borrower and property qualifications; not all applicants may be approved. Rates and terms as of 12/15/2019 and are subject to change without notice. Conditions, restrictions and terms may apply.