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For a copy of the HMDA Disclosure statement, please contact us 540-663-2181 or visit any branch.

1 - Fixed rate home equity loans are available from $10,000 - $500,000 up to 90%LTV, and $10,000 - $250,000 from 91% - 100%LTV based on appraised value. View rates for payment calculation. This rate is only valid for loans up to 60 months. Contact your tax advisor for further information regarding the deductibility of interest and charges. Listed annual percentage rate only applicable if the specific terms that apply to this loan are met, and will be based on credit worthiness. 2 - Variable rate home equity loans are available from $10,000 - $500,000 up to 90%LTV based on appraised value. Contact us for monthly payment calculations. HELOC includes a 10 year draw period with a 10 year repayment period. Variable rate as published in the money rates column of the Wall Street Journal and subject to change quarterly. Maximum rate 16%. Minimum rate 1%. Your rate will be determined by your credit history. Loan to Value Ratios (LTV) up to 90%. An appraisal may be required. Borrower must maintain property insurance. Call the Credit Union for additional account fees and terms that apply, including rate information. 3 - LTV is the value of your property compared to the total amount of any mortgage secured by this property. Other restrictions may apply. 4 - Topside FCU will pay up to $700 in closing costs, subject to restrictions, appraisal fee not included. An appraisal may be required. Closing costs include title search, credit report, document recording fees and taxes paid, automated valuation models, property condition reports, etc. Closings costs will vary depending on loan amount and location of the property. Example of fees based on $100,000 equity loan in Spotsylvania County, VA: Fees totaling $836.33, with $700 paid by the CU and the remainder paid by the borrower. 5 - With a minimum amount financed of $10,000, Topside FCU agrees to pay up to $700 of your third-party fees to open a home equity loan or line of credit. Any portion of fees incurred exceeding the $700 threshold will be collected from you at closing. If the loan is paid in full within the first 36 months after the opening date, you agree to reimburse the credit union for the fees paid on your behalf.

Membership eligibility is required. Subject to approval and underwriting. All Credit Union loan programs, rates, terms and conditions apply and are subject to change at any time without notice. Contact the credit union for complete details. Federally insured by NCUA.