Loans subject to credit approval.
1A qualifying TD Bank personal checking account is required to be eligible for this 0.25% HELOC discount, which is reflected in the rate shown above. Offer subject to change. Ask for more details. This relationship discount may be terminated and the interest rate on this account may increase by 0.25% upon closure of the qualifying checking account. Rates will be higher for combined loan-to-value (CLTV) ratios higher than 80%. Maximum CLTV is based on creditworthiness, property type, occupancy, lien position and loan amount. For a property value greater than $2.5 million, additional terms and conditions may apply. Lien position may affect the maximum loan amount. Available on 1-4 family primary or secondary residences, excluding mobile homes, boats, RVs and homes for sale, under construction or on leased land. For co-ops, additional terms and conditions will apply. Annual Percentage Rate (APR) is variable based on The Wall Street Journal Prime plus 0.00%, and will not exceed 18%. Prime as of 2/4/2015 was 3.25%. Minimum line amount for Prime plus 0.00% is $200,000. Other rates are available for lines of credit in amounts below $200,000. APR is an estimate only. APR calculation does not include fees and charges that may be applicable. The following fees apply: annual fee of $50 assessed after one year anniversary (except on loan amounts less than $50,000), origination fee of $99 (this is a finance charge), and early termination fee of 2% of outstanding principal balance (maximum $450) if line is paid off and closed within 24 months. Property insurance required. Offer valid on line amounts up to $500,000. For line amounts greater than $500,000, additional terms and conditions will apply. The monthly payment examples are calculated as follows, and are all interest-only payments: the monthly payment of $98 is based on loan amount of $25,000 at an APR of 4.75% (currently Prime plus 1.50% and subject to change); the monthly payment of $165 is based on loan amount of $50,000 at an APR of 4.00% (currently Prime plus 0.75% and subject to change); the monthly payment of $247 is based on loan amount of $75,000 at an APR of 4.00% (currently Prime plus 0.75% and subject to change). If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. Rates may vary by state, and are applicable to the state in which the collateral property is located. Rates subject to change. Ask us for details. For use in stores in NY.
2A qualifying TD Bank personal checking account is required to be eligible for the 0.25% HELOC discount, which is reflected in the rate shown above. The relationship discount may be terminated and the interest rate on the account may increase by 0.25% upon closure of the qualifying checking account. Savings example is representative of the relationship discount and is based on a rate for a 30-year HELOC. Savings examples assume the noted line balance amount during the 10 year interest only period and that the Customer pays only the current amount due during the repayment period.
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