HORIZON Beyond Dream beyond the blueprint When you were newlyweds, you had space to grow. Two kids later, you could use a little room (or two). Help your home grow with your family through a home equity line of credit from Horizon Bank. 6.25% 8.75% 6-Month APR* Intro Rate Adjust to APR* Qualified Rate HorizonBank.com/HELOC *Introductory APR (Annual Percentage Rate) will be fixed at 6.25% APR for the first 6 months for those lines with up to 89.9% loan to value (LTV). Thereafter, the rate may vary. The rate is based on credit score, LTV and Prime Rate + 0.25%. The Prime Rate equals the highest Wall Street Journal (WSJ) prime rate as published in the WSJ effective the date the 6-month introductory period expires. WSJ prime rate effective 09/20/23 DER is 8.50% APR. Example: credit score of 730+ and LTV of 70% or less will have a rate of 8.75% as of date of publication following the introductory period. Maximum rate is 25%. APR will not fall below a floor of 3.25% Annual fee is $50, waived for first year. Reimbursement fee up to $399 applies if line is closed within the first 36 months. A minimum draw of 25% of approved loan amount is required to be disbursed at time of FDIC loan funding. Subject to credit approval. Other terms and conditions may apply and are subject to change without notice. Offer expires December 31, 2023. HORIZON Beyond Dream beyond the blueprint When you were newlyweds , you had space to grow . Two kids later , you could use a little room ( or two ) . Help your home grow with your family through a home equity line of credit from Horizon Bank . 6.25 % 8.75 % 6 - Month APR * Intro Rate Adjust to APR * Qualified Rate HorizonBank.com/HELOC * Introductory APR ( Annual Percentage Rate ) will be fixed at 6.25 % APR for the first 6 months for those lines with up to 89.9 % loan to value ( LTV ) . Thereafter , the rate may vary . The rate is based on credit score , LTV and Prime Rate + 0.25 % . The Prime Rate equals the highest Wall Street Journal ( WSJ ) prime rate as published in the WSJ effective the date the 6 - month introductory period expires . WSJ prime rate effective 09/20/23 DER is 8.50 % APR . Example : credit score of 730+ and LTV of 70 % or less will have a rate of 8.75 % as of date of publication following the introductory period . Maximum rate is 25 % . APR will not fall below a floor of 3.25 % Annual fee is $ 50 , waived for first year . Reimbursement fee up to $ 399 applies if line is closed within the first 36 months . A minimum draw of 25 % of approved loan amount is required to be disbursed at time of FDIC loan funding . Subject to credit approval . Other terms and conditions may apply and are subject to change without notice . Offer expires December 31 , 2023 .