* After the introductory period, the APR may vary each month and is determined by adding or subtracting a margin to an index. The index is the Prime Rate published by the Wall Street Journal which, as of 9/18/2019 was 5.00%. Your margin will be based on loan to value and credit score. The APR will not exceed 18% or be less than 3.99%. The minimum monthly payment will be the finance charges accrued on the outstanding balance during the previous month. The minimum payment will not reduce the principal that is outstanding on your line. At the end of your term, you will then be required to pay the entire balance in a single balloon payment. The Annual Fee is waived for the first year and ranges from $60 to $100 thereafter. Closing costs consist of: real estate evaluation fee of $135, title insurance ranging from $40 to $825 and, if required, appraisal costs from $400-$450. All other standard third party costs are waived. This offer applies to new Home Equity Lines of Credit for amounts of $5,000 or greater. This offer is not available to State Bank of Cross Plains customers who have closed out a Home Equity Line of Credit in the past 6 months. Property must be owner occupied. Applications must be received by 12/31/2019 to receive the introductory APR. Property insurance is required. Flood insurance may be required. Subject to credit approval. Rates subject to change.