Pima Federal Credit Union is headquartered in Tucson and is the 8 th largest credit union in the state of Arizona. It is also the 390 th largest credit union in the nation. It was …About Pima Federal Credit Union In 1951, sixteen teachers pooled together $84 in deposits and founded our credit union with the common purpose of helping people. To this day, our common purpose ...Oct 15, 2020 · Float Down Program. As part of our Home Loan program, we offer a one-time float-down 1 of your rate after closing. This program offers peace of mind without the worry of refinance costs or credit checks. For full details on the program, give us a call at 520.396.1300. 2455 E Valencia Road Tucson, AZ 85706. Open Today: 9:00 am - 6:00 pm. Learn More. Explore the interactive map of Pima Federal Credit Union (Tucson, Arizona) branch locations. As a financial cooperative, we thrive by offering great value to our members, and we believe our value promise Smart. Simple. Personal. will benefit you and your family. Pima Federal Credit Union Located at 18767 S. Nogales Hwy., Suite #115 Green Valley, Arizona 85614 (520) 887-5010.View All Filters. $33,000. 2024 Honda Civic. 520-748-1000. 2019 Chevrolet Silverado 1500 LD. 520-881-5400. 2015 Hyundai Genesis Coupe. 520-207-0811. 2024.PIMA FCU Credit unions : 01/22/2007: See all trademarks and details in the Full Report. Recession Risk Determine whether Pima Federal Credit Union grew or shrank during the last recession. This is useful in estimating the financial strength and credit risk of the company. Compare how recession-proof Pima Federal Credit Union is relative to the ...The National Credit Union Administration (NCUA) insures up to $250,000 per share owner, per insured credit union, per account ownership category. (Learn more about NCUA insurance .) Typically less ...As a member of Pima Federal Credit Union, you have access to a member discount on auto, home and renters insurance from Travelers and could save hundreds*. Plus, you could get coverage customized for you. Even if you recently renewed your policy, you can switch at any time. Get an online quote or call 1 866 614 5487 to see how much you could ...Pima Federal Credit Union - Thornydale Branch | Credit Unions. Skip to content. Member Login . Facebook Instagram LinkedIn. Menu. About. Mission, Vision, Values; Board of Directors; Our Team; Contact Us; Programs. Ambassadors; ... Pima Federal Credit Union - Thornydale Branch. Categories. Credit Unions. 6510 N Thornydale Rd …Hughes Federal Credit Union, Tucson's trusted partner for 70 years. Great rates & service. Federally-insured & highest rating for financial strength.The credit union can assist you in making your principal loan payment by calling 520-887-5010 or via chat. ... To transfer to another Pima Federal member you will need the following information: member last name, account number, account type, share number. Log inNon-Profit Money Market. Our Non-Profit Money Market Accounts offer special rates for non-profit corporations in our community. They are a great way to grow your savings while providing access to your funds. By maintaining a minimum balance of $1,000 in your Non-Profit Money Market Account, you’ll benefit with better rates on tiered balances.Contact Pima FCU in Oro Valley. Location: Steam Pump Branch. Address: Pima FCU Steam Pump Branch 11025 North Oracle Road Oro Valley, AZ 85737 ( Map) Phone Number: Click-to-Call: (520) 202-0715. Website: Visit Website.Pima Federal Credit Union - Thornydale Branch | Credit Unions. Skip to content. Member Login . Facebook Instagram LinkedIn. Menu. About. Mission, Vision, Values; Board of Directors; Our Team; Contact Us; Programs. Ambassadors; ... Pima Federal Credit Union - Thornydale Branch. Categories. Credit Unions. 6510 N Thornydale Rd …Oct 15, 2020 · Float Down Program. As part of our Home Loan program, we offer a one-time float-down 1 of your rate after closing. This program offers peace of mind without the worry of refinance costs or credit checks. For full details on the program, give us a call at 520.396.1300. From January 1, 1970 to December 31 st 2023, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.9% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009).Mar 26, 2024 · Access your Pima Federal Credit Union account from anywhere with this app. Check balances, deposit checks, pay bills, transfer funds, apply for loans, and more with live chat support. This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances by clicking on the “Enter Data” button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget.Banzai Financial Literacy. We strongly believe teaching wise money management concepts and the value of saving at an early age will help children grow into financially responsible adults. We also recognize the need to offer continuing financial education to college students, as well as adults in our community. Providing these resources will ...A Pima Federal Personal Loan can provide quick access to funds for all of life’s occasions. With fixed rates and flexible payment options, we offer loans from $300 up to $25,000 …The Pima Federal Credit Union Mobile App provides you with easy and secure access to your account from wherever you are. Features: • Check balances and transaction history. • Deposit checks on the go. • Make internal and external account transfers. • Pay bills and loans. • Pay anyone with Zelle®. If you have any questions about becoming a member, give us a call at (520) 887-5010 or toll-free at (800) Pima-FCU (746-2328) or schedule an appointment to meet with a member of our friendly team. Eligibility. You are likely already eligible to join Pima Federal – you just need to meet one of the following requirements: Pima Federal Credit Union in Springerville often offers free educational resources, workshops, and one-on-one counseling to help members make informed financial decisions. This commitment to financial literacy helps individuals and families in Springerville manage their money more effectively, plan for the future, and avoid financial pitfalls. ...Pima Federal Credit Union. · August 27, 2015 ·. The Pima Federal Education Award was created because of our commitment to education in our community. This year we were so impressed by each entry that we are pleased to offer all 9 students with an award for the 2015-2016 school year. A total of $12,000 in scholarship funds was …View All Filters. $33,000. 2024 Honda Civic. 520-748-1000. 2019 Chevrolet Silverado 1500 LD. 520-881-5400. 2015 Hyundai Genesis Coupe. 520-207-0811. 2024.Pima Federal Credit Union (Pima Federal), based in Tucson, Arizona, proudly announced its recent contributions to its members and local organizations during the holiday season. In the spirit of giving, the credit union distributed $26,000 through donations and prizes, displaying its commitment to enhancing the lives of those in our …Float Down Program. As part of our Home Loan program, we offer a one-time float-down 1 of your rate after closing. This program offers peace of mind without the worry of refinance costs or credit checks. For full details on the program, give us a …The Pima Federal Credit Union Mobile App provides you with easy and secure access to your account from wherever you are. Features: • Check balances and transaction history. • Deposit checks on the go. • Make internal and external account transfers. • Pay bills and loans. • Pay anyone with Zelle®.Pima Credit Union Branches. 9 branches found. Showing 1 - 9. Pima - Steampump 11025 N Oracle Rd Oro Valley, AZ, 85737-5610 Phone Number: 520-887-5010 Full Branch Info | Routing Number | Swift Code. Pima - Springerville 830 E Main St Unit 170 springerville, AZ, 85938 Phone Number: 928-333-1300dedication to the credit union. Your credit union’s strength relies on active participation and engagement from all members. 6 | Pima Federal Credit Union 2020 Annual Report | 7 Pima Federal was proudly recognized as Best Credit Union in the Arizona Daily Star’s 2020 Readers’ Choice Awards. The Board of Directors, the Management Team, and allRegular Share Account (Savings Account) We understand the importance of meeting your financial goals. Whether you’re saving for a down payment on a home or for your child’s college fund, we’re here to make saving money easy. A deposit of $5 is all you need to join Pima Federal, making you both a member and part owner of our credit union.Contact Pima FCU in Oro Valley. Location: Steam Pump Branch. Address: Pima FCU Steam Pump Branch 11025 North Oracle Road Oro Valley, AZ 85737 ( Map) Phone Number: Click-to-Call: (520) 202-0715. Website: Visit Website.The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union. Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility.Go Mobile. Enjoy unrestricted access to your account with our mobile app so you can conveniently manage your finances on your schedule, wherever you are. 24/7 Account Access | Deposit Checks | Send Money with Zelle® | Pay Bills. Monitor your Credit Score | Access Account Statements | & More! Download our mobile banking app today!Enter your current assets, expenses and income. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. Press the "View Report" button to see a year by year breakdown of your family's future income and expenses. You may require $1,125,337.00 more life insurance.Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Pima Federal Credit Union Branch Location at 6510 N Thornydale Rd, Tucson, AZ 85741 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. The rates appearing in this Rate Schedule are accurate and effective for deposit accounts for the month indicated above. This schedule is incorporated as part of your account disclosures with Pima Federal Credit Union. The Annual Percentage Yield is based on an assumption that the dividends will remain on deposit until maturity. Pima Federal Credit Union | 938 followers on LinkedIn. In 1951, sixteen teachers pooled together $84 in deposits and founded our credit union with the common purpose of helping people. To this day ...Read genuine feedback from members and understand why Pima Federal Credit Union is a trusted financial partner. Reviews reflect a commitment to serving members' best interests. Unbiased opinions from real members. Insights into customer service and product effectiveness. Transparent experiences to help you make informed …How does Pima Federal Credit Union collect my personal information? We collect your personal information, for example, when you. open an account or deposit money; pay your bills or apply for a loan; use your credit or debit card. We also collect your personal information from other companies, such as credit bureaus.Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Pima Federal Credit Union Branch Location at 1177 W Silverlake Rd, Tucson, AZ 85713 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews.Springerville Branch. Address: Pima FCU Springerville Branch 830 Main Street Suite 170 Springerville, AZ 85938 ( Map) Phone Number: (928) 333-1300. Website: Visit Website. Online Banking: Login.Pima charges additional tuition, known as differential tuition, for courses that are more costly for the College to run. Learn more about differential tuition. Tuition for Credit Courses 2023-24 Academic Year Fall 2023, Spring 2024, and Summer 2024. In-state Resident tuition schedule; Non-Resident tuition schedule for Classroom CoursesAbout Vantage West. Vantage West helps our Members and communities thrive by offering personal and business financial services. We strive to provide our Members with the personalized service, knowledge and honesty they deserve in a financial partner. And while we're proud to be among the largest credit unions in Arizona, our community impact ... A Pima Federal Personal Loan can provide quick access to funds for all of life’s occasions. With fixed rates and flexible payment options, we offer loans from $300 up to $25,000 with terms up to 60 months. Personal Loans are also a great option for consolidating all of your high-interest credit cards to one low monthly payment. Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Pima Federal Credit Union Branch Location at 231 N Pantano Rd, Tucson, AZ 85710 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Go Mobile. Enjoy unrestricted access to your account with our mobile app so you can conveniently manage your finances on your schedule, wherever you are. 24/7 Account Access | Deposit Checks | Send Money with Zelle® | Pay Bills. Monitor your Credit Score | Access Account Statements | & More! Download our mobile banking app today! Apr 1, 2024 · The Great Auto Loan Giveback Winners. 12/22/2022. Pima Federal Credit Union Gives Back over $40,000 to Members. Pima Federal Credit Union, our Routing and Transit number is: #322174795. Account Type Account Nickname (if applicable) Account Number Account Type Account Nickname (if applicable) Account Number With this protection you will receive $1,000 toward a replacement vehicle when you finance with Pima Federal. In addition, you will receive the added benefit of Deductible Assistance (non totaled vehicle) which will cover up to $1,000 towards a deductible, up to twice per 12 months, applied as a loan payment. IT Department. Pima Federal Credit Union employs 102 employees. The Pima Federal Credit Union management team includes Bruce Barnett (Chief Technology Officer), Cude Friedenberg (SVP of Organizational Development), and Angi Griffin (Chief Administrative Officer) . Get Contact Info for All Departments.Term of new loan. The term in years for your new consolidated student loan is calculated as: 30 Years for debt of $60,000 or more, 25 years for balances of $40,000 or more, 20 years for balances of $20,000 or more, 15 years for balances of $10,000 or more. Any balance under $10,000 has a term of 12 years.About Vantage West. Vantage West helps our Members and communities thrive by offering personal and business financial services. We strive to provide our Members with the personalized service, knowledge and honesty they deserve in a financial partner. And while we're proud to be among the largest credit unions in Arizona, our community impact ...At Pima Federal, keeping our members and member assets safe is one of our highest priorities in this ever-increasing digital age. Security is top of mind, and fraud is on the rise internationally. That said, we want to ensure our members have easy access to pertinent security information. The videos below offer relevant information and helpful ...Posted 12:15:25 AM. Member Support Specialist Pima Federal Credit Union of Tucson, AZ is looking to hire a full-time…See this and similar jobs on LinkedIn.You need to enable JavaScript to run this app.The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union. Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility. 2455 E Valencia Road Tucson, AZ 85706. Open Today: 9:00 am - 6:00 pm. Learn More. Explore the interactive map of Pima Federal Credit Union (Tucson, Arizona) branch locations. You need to enable JavaScript to run this app.At Pima Federal, Business is Personal. We believe accessing small business financing shouldn’t be complicated or time-consuming. At Pima Federal, it’s our goal to make the process as simple and as personal as possible. We take the time to learn about your business and offer customized lending solutions that fit your needs and enable your ... If you have any questions about becoming a member, give us a call at (520) 887-5010 or toll-free at (800) Pima-FCU (746-2328) or schedule an appointment to meet with a member of our friendly team. Eligibility. You are likely already eligible to join Pima Federal – you just need to meet one of the following requirements: From January 1, 1970 to December 31 st 2023, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.9% (source: www.spglobal.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009).Our Business Checking Accounts offer the flexibility and convenience to help you manage your growing business. Enjoy the convenience of Online & Mobile Banking, Bill Pay, Mobile Deposit, eStatements, Visa® Debit Cards and more …Major Rating Factors: A current level of 1.4 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Excellent (9.5) profitability. Other Rating ...Regular Share Account (Savings Account) We understand the importance of meeting your financial goals. Whether you’re saving for a down payment on a home or for your child’s college fund, we’re here to make saving money easy. A deposit of $5 is all you need to join Pima Federal, making you both a member and part owner of our credit union.Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Pima Federal Credit Union Branch Location at 3730 N Stone Ave, Tucson, AZ 85705 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews.In 2012, Angi joined AEA Federal Credit Union as the VP of Human Resources/Training until 2015. Currently, they hold key positions in Pima Federal Credit Union, where they started as the VP of Human Resources in 2015, became the Chief Human Resources Officer from 2017 to 2020, and is currently serving as the Chief Administrative Officer.2455 E Valencia Road Tucson, AZ 85706. Open Today: 9:00 am - 6:00 pm. Learn More. Explore the interactive map of Pima Federal Credit Union (Tucson, Arizona) branch locations.Pima Federal Credit Union - Thornydale Branch | Credit Unions. Skip to content. Member Login . Facebook Instagram LinkedIn. Menu. About. Mission, Vision, Values; Board of Directors; Our Team; Contact Us; Programs. Ambassadors; ... Pima Federal Credit Union - Thornydale Branch. Categories. Credit Unions. 6510 N Thornydale Rd …Specialties: In 1951, sixteen teachers pooled together $84 in deposits and founded our credit union with the common purpose of helping people. To this day, our common purpose still exists. We're here for our members, and we thrive by delivering on our value promise of Smart. Simple. Personal. SMARTWe are the smart choice for a few reasons. We offer …At Pima Federal, keeping our members and member assets safe is one of our highest priorities in this ever-increasing digital age. Security is top of mind, and fraud is on the rise internationally. That said, we want to ensure our members have easy access to pertinent security information. The videos below offer relevant information and helpful ...Points can be redeemed on travel, merchandise, gift cards – even cash back. Plus, receive 10,000 bonus points when you spend $1,000 in the first 90 days. It’s one of the many ways that we give back to our loyal members. To report a lost or stolen Visa® debit or credit card after business hours please call: 1-800-449-7728. About Pima Federal Credit Union. Pima Federal Credit Union was chartered on Jan. 1, 1951. Headquartered in Tucson, AZ, it has assets in the amount of $438,574,271. Its 53,143 members are served from 6 locations. Deposits in Pima Federal Credit Union are insured by NCUA. Enter your current assets, expenses and income. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. Press the "View Report" button to see a year by year breakdown of your family's future income and expenses. You may require $1,125,337.00 more life insurance.Pima Federal Credit Union | 829 seguidores en LinkedIn. In 1951, sixteen teachers pooled together $84 in deposits and founded our credit union with the common purpose of helping people. To this day, our common purpose still exists. We’re here for our members, and we thrive by delivering on our value promise of Smart.The 322174795 ABA Check Routing Number is on the bottom left hand side of any check issued by PIMA FEDERAL CREDIT UNION. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank.Pima Federal Credit Union P.O. Box 50267, Tucson, AZ 85703. The petitions must be received by April 11, 2024. Each candidate must be a member of Pima Federal Credit Union and at least 18 years of age. Employees and members of their immediate families are not eligible for the Board. All candidates nominated either by the nominating …Introductory Annual Percentage Rate (APR) of 6.99% is available on new Pima Federal Credit Union Home Equity Lines of Credit (HELOC). Interest will begin to accrue as of the date of the first advance. The interest rate will be fixed at 6.99% APR during the twelve-month introductory period. Variable Rate HELOC: After the twelve-month ...Pima Federal Credit Union Spreads Holiday Cheer with Generous Community Giving Initiative. New Beneficiaries Announced. 01/12/2023. Pima Federal Credit Union Selects New Beneficiaries for Golf Fundraiser. 2022 Education Awards. 06/15/2022. Pima Federal Credit Union Provides $10,000 in Education Awards. …Seasoned leader with over 20 years of experience leading various departments to… · Experience: Pima Federal Credit Union · Education: Northern Arizona University · Location: Tucson, Arizona ... Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Pima Federal Credit Union Branch Location at 1177 W Silverlake Rd, Tucson, AZ 85713 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Struggling with bad credit? American Southwest Credit Union (ASCU) may be able to help with all your loan and banking needs. Routing Number: 3221-7458-8 ... you must live, work, or worship in one of the following …What do you need to do to apply? You must... Be a graduating senior in May or June of 2023. Be a current (at time of application) Pima Federal Credit Union member with an …
View All Filters. $33,000. 2024 Honda Civic. 520-748-1000. 2019 Chevrolet Silverado 1500 LD. 520-881-5400. 2015 Hyundai Genesis Coupe. 520-207-0811. 2024.. Thinkorswin
This account offers an annual percentage yield of up to 2.49%, which is much higher than the average for the checking accounts that we track. No minimum initial deposit. There is no minimum balance required to open …You can find the complete routing details about PIMA FEDERAL CREDIT UNION, TUCSON below including routing number, address, phone number and other contact information in a particular City, ZIP Code, County or State. PIMA FEDERAL CREDIT UNION - ACH Routing Number (322174795) Routing Number: 322174795: Bank Name:Pima Federal Credit Union Contact Information. Branch address, phone number, and hours of operation for Pima Federal Credit Union at Main Street, Springerville AZ. Name Pima Federal Credit Union Address 830 Main Street Springerville, Arizona, 85938 Phone 520-887-5010 HoursMajor Rating Factors: A current level of 1.4 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Excellent (9.5) profitability. Other Rating ...Pima Federal Credit Union offers a range of financial products and services, including home loans, checking accounts, business solutions, credit cards and mobile banking. Switch …We will send you a temporary password to a phone number associated with your account. Provide the following information and we'll send you a temporary password.3 days ago · Pima Federal Credit Union: Services & Insights. Since 1951, Pima FCU has been committed to providing comprehensive financial services to the Tucson, AZ community, enhancing the financial well-being of Tucson's members. Online Banking Auto Loans. U.S. Credit Unions. Schedule Appointment with Pima Federal Credit Union. For your convenience, you may open a consumer account or apply for a consumer loan online by clicking . If you would like to open an account or apply for a loan in person, please schedule an appointment below. Appointments are no longer required for in-branch service but are strongly ... Loan & Credit Line Payment Calculator › Pima Federal CU. This calculator helps determine your loan or line payment. For a loan payment, select fixed-term loan. For a credit line payment, you can choose 2%, 1.5% or 1.0% of the outstanding balance or interest only. Pima Federal Credit Union Profile and History. Founded in 1951, Pima Federal is a not-for-profit financial cooperative that provides banking services to the citizens of Tucson, Arizona. Their services include Auto Loans, Personal Loans, Personal Line of Credit, Share Secured Loans, VISA Platinum and VISA Signature Credit Cards, Mortgage Loans ...Pima Federal Credit Union (Pima Federal), based in Tucson, Arizona, proudly announced its recent contributions to its members and local organizations during the holiday season. In the spirit of giving, the credit union distributed $26,000 through donations and prizes, displaying its commitment to enhancing the lives of those in our …Terms: By submitting this request, you, being the primary borrower, are acting on behalf of all borrowers on the loan, authorize Pima Federal Credit Union to skip a payment on the loan requested. You understand and agree this will extend the loan maturity date of the loan. Interest will continue to accrue and payment protection fees (if ...Apr 1, 2024 · The Great Auto Loan Giveback Winners. 12/22/2022. Pima Federal Credit Union Gives Back over $40,000 to Members. Switch your direct deposits and automatic payments to your Pima Federal account in minutes with ClickSWITCH! Login to online or mobile banking to get started! Free Yourself with a 2.99% APR * Visa ® Intro Rate! Pima charges additional tuition, known as differential tuition, for courses that are more costly for the College to run. Learn more about differential tuition. Tuition for Credit Courses 2023-24 Academic Year Fall 2023, Spring 2024, and Summer 2024. In-state Resident tuition schedule; Non-Resident tuition schedule for Classroom CoursesSave for retirement with a Pima Federal IRA. Visit any of our branches and we'll help you open your IRA today. And to make saving easy, you may contribute to your IRA through payroll deduction or direct deposit. Your IRA is insured by the National Credit Union Administration (NCUA) separately from your savings account up to $250,000.Pima Federal Credit Union offers a range of financial products and services, including home loans, checking accounts, business solutions, credit cards and mobile banking. Switch …Schedule Appointment with Pima Federal Credit Union. For your convenience, you may open a consumer account or apply for a consumer loan online by clicking . If you would like to open an account or apply for a loan in person, please schedule an appointment below. Appointments are no longer required for in-branch service but are strongly ... Use our locator tool to effortlessly find the best credit unions near you. Expertise backed by decades of helping users find the best financial services. A trusted resource for member reviews and up-to-date information on local credit unions. Detailed map with Complete Branch Information and Click-to-Call features. Introductory Annual Percentage Rate (APR) of 6.99% is available on new Pima Federal Credit Union Home Equity Lines of Credit (HELOC). Interest will begin to accrue as of the date of the first advance. The interest rate will be fixed at 6.99% APR during the twelve-month introductory period. Variable Rate HELOC: After the twelve-month ... .