* Free ATM access at Allpoint, MoneyPass, Accel or Presto ATMs.
** As of 5/1/2026, Annual Percentage Rate (APR) is the highest Prime Rate (index) published in the ‘Money Rates’ section of the Wall Street Journal on a monthly basis, but APR cannot decrease below floor rate of 5.25% (As of 5/1/2026, the Prime Rate is 6.75%). After 6-month introductory fixed rate of 4.99% APR, rate adjusts based on Prime Rate plus a margin ranging from 0.00% to 1.50% depending on credit score and loan-to-value. Maximum 18% APR. Maximum loan amount is up to $500,000. Maximum CLTV is 90%. Your loan amount will be determined by your home value, available equity, and credit history. Minimum payment may not be sufficient to repay outstanding loan balance at the end of the draw period and may result in a single balloon payment. This loan may have a prepayment penalty; ask us for details. Account opening fees may be charged at origination, closing or after closing, ranging from $495 to $6,500, and may vary by state. Annual fee of $50 will be charged at the first anniversary of the plan and each year thereafter. This loan is not available for the purchase of a primary residence and no loan proceeds can be used to pay off any existing loan obligation with Republic Bank & Trust Company. Property insurance is required and, if applicable, flood insurance will be required. Please consult your tax advisor regarding interest deductibility. Offer and rates subject to change. Loan subject to underwriting and approval. Additional restrictions apply. Limited time offer. Contact a loan officer for additional information.
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