*Twelve months after closing, the interest rate will convert to a variable rate which is based on the Prime Lending Rate as published in The Wall Street Journal plus a margin of 0% to 2.50% based on your creditworthiness, which currently would be between 7.500% APR and 10.000% APR. Offer good only on new Home Equity Lines of Credit. AFFCU will maintain a security interest on the property securing the account. Closing costs are estimated between $365.00 and $1,250.00. Property insurance is required. Available equity is based upon the current assessed value of your property. The maximum rate that can apply is 18.00% APR. Maximum Loan-to-Value is 80%. Consult a tax advisor regarding the deductibility of interest. The annual non-usage fee is waived for any year in which there is an advance. Not available for Business Accounts. Limited to primary residences in the State of Alabama., Good credit makes it easy to buy what you want, when you want it—and at the right price. At AmFirst, we want to help you build your credit and long term financial health. We’ll work with you to make sure you have the best accounts, cards, and loans for your unique needs and lifestyle., Motor Homes, RV, & Travel Trailers See Motor Home, RV, & Travel Trailer Rates.