HELOC It Matters Preview

* Introductory rate of 1.99% Annual Percentage Rate (APR) is fixed for the first six (6) billing cycles. After the first six (6) billing cycles, the APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal +/- a margin. As of June 2, 2025, the Prime Rate was 7.50% APR. The minimum line of credit to receive the introductory rate of 1.99% APR is $10,000 with a draw of $5,000 or more at closing. Your APR will never be higher than 21%. HELOC must be new money to CNB, or CNB HELOC must be within one year of maturity. Other HELOC options are available. Collateral cannot be classified as a manufactured or mobile home. If your loan payment is automatically debited from your CNB personal checking account, CNB will pay all bank required closing costs for approved credit lines of $250,000 or less and up to $500 in closing costs for approved credit lines exceeding $250,000. Certain fees may apply from $1 to $1,500 when payment is not auto debited from a CNB personal checking account. Land survey, if required, is not included in bank paid costs. This loan consists of a 10-year draw period with interest only payments and a 15-year repayment period. Repayment period consists of variable rate monthly minimum payments including principal and interest. Repayment APR is based on U.S. Prime Rate as published in the Wall Street Journal +/- a margin but will not exceed 21%. Homeowners insurance is required. Rates and APRs are subject to change without notice. Subject to credit approval.