HELOC rate example • Reviewed October 9, 2026
FourLeaf Federal Credit Union: standard variable APR as low as 7.00%, as of October 9, 2026.
This is a home equity line of credit (HELOC). The APR can increase. It is based on the Wall Street Journal U.S. Prime Rate (7.00% on the source date), plus any applicable margin. The published floor is 3.25% and the current maximum is 18%.
Illustrative property scenario: $500,000 primary residence, $200,000 existing mortgage and a $100,000 HELOC credit limit, fully drawn at opening. Combined loan-to-value is 60%: ($200,000 + $100,000) ÷ $500,000.
The scenario illustrates the published standard rate, not an introductory rate or a personalized offer. It does not establish that this borrower qualifies. No fixed monthly payment or fixed repayment rate is promised.
FourLeaf's lowest standard rate assumes a primary residence, no more than 65% combined loan-to-value, an opening draw of at least $25,000 and automatic payments from a FourLeaf personal checking or savings account. Credit approval, membership and loan requirements apply; higher rates may be offered. HELOCs are unavailable in Texas.
The rate includes two 0.25 percentage-point discounts. One requires maintaining a balance of at least $25,000 for the first 12 consecutive months; the other requires continuing automatic payments. Losing either condition increases the APR by 0.25 percentage points.
FourLeaf pays closing costs on the first $500,000 of the line, but borrowers must repay those costs if they close the HELOC within 36 months. These costs generally range from $500 to $15,000. Larger lines require separate terms and can involve additional borrower-paid taxes and title costs; total third-party fees can range from $500 to $60,000. Property insurance, including flood insurance when applicable, is required.
A HELOC is secured by your home. The APR describes the interest rate and does not include all potential fees or insurance costs. Rates, availability and terms can change. Actual payments depend on the outstanding balance, applicable rate and lender agreement. The lender's current disclosures explain the draw period, repayment obligations and all applicable charges.
Reference: FourLeaf's published Home Equity rates and HELOC product terms, checked October 9, 2026. This disclosure uses the standard variable rate, not FourLeaf's separate introductory promotion.
The public lender rate is an advertising reference, not a commitment to lend or a guarantee of a match with FourLeaf. A RateZip match may involve a different lender and different terms. Contact the applicable lender for current pricing and eligibility. No personalized HELOC quote is generated by this example.
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