SunState offers low, competitive rates.

Call 877 -SUNSTATE (877-786-7828) to speak with a Member Service Representative who can help you assess your needs and get started on the application process.

• Adjustable Rate Mortgages
• First Mortgage
• Second Mortgage
• Fixed Rate Home Equity Line of Credit
• Adjustable Home Equity Line of Credit

A Fixed Rate HELOC from SunState Federal Credit Union features:

• A rate as low as 7.75%* Annual Percentage Rate
• No annual, origination or application fees
• CU pays closing costs**
• 60-month open credit line, amortized over 10 or 15 years
• Up to 100% LTV (Loan to Value ratio)
• Interest may be tax deductible. Always consult your tax adviser.
• Minimum initial advance is $10,000, future advances as little as $500

*Rate is accurate as of and is subject to change. The rate you pay is based on your credit worthiness, and loan-to-value. The term is a 10 or 15 year amortization with a 5 year draw period. Minimum loan amount is $15,000 with a $10,000 minimum advance for the initial draw.

**On loans over $25,000. If the loan is paid in full and closed within 3 years of the note date, borrower will be required to reimburse the credit union for all credit union paid closing costs. The credit union will pay all typical, credit union required closing costs. Costs not paid by the credit union include but are not limited to survey, home inspection, pest inspection, home repairs, legal fees, costs incurred which are not required by SunState. Property insurance is required and not included in the costs the credit union will pay. Must be a primary residence and a site built home in the state of Florida. Membership eligibility rules apply.

This flexible, revolving credit line based on the equity in your home is perfect for making periodic payments on tuition or for the purchase of a car or truck, financing home improvements and even consolidating debts. As you repay your Home Equity Line of Credit, funds become available for your use again and again, until the end of your draw period (60 months).

A Home Equity Line of Credit from SunState Federal Credit Union features:

• Adjustable rate as low as 7.25% APR*
• No annual, origination or application fees
• CU pays up to $600 of closing costs (depending on loan amount)
• 60-month open credit line ($15,000 to $100,000), amortized over 10 years
• Up to 100% LTV*
• Interest may be tax deductible. Always consult your tax adviser.
• Minimum initial advance is $10,000, future advances as little as $500

Other Home Equity options are available from SunState Federal Credit Union:

• Traditional Fixed-Rate Second Mortgages!

For more details, speak with a member service representative at any SunState branch.

*APR=Annual Percentage Rate. LTV=loan to value ratio.
The rate you pay is based on your credit worthiness and collateral qualifications at the time of the advance. Membership required. Eligibility rules apply. Your actual rate may vary. Offer available on Florida owner-occupied (primary residence), single-family homes. Borrower may need to purchase appraisal under certain conditions. Property and flood insurance (if applicable) are required. Maximum APR is 18%. Estimated closing costs vary from $0 to $2500. Reimbursement clause applies if line is closed within 3 years of loan origination date.

Must be primary residence and site built home within the state of Florida. Property insurance is required.

All information is accurate as of and is subject to change. Please call the credit union at (352) 381-5200 or 1-877-SUNSTATE for any changes that may be in effect after .