Deposit Rates Loan Rates Real Estate Loans Rates as of 5/6/2026 Home Equity Credit Line - A variable rate credit line secured by your primary residence in MD, DC, VA, PA, DE, NY, FL or NJ. Line of Credit Limit Up to 80% Loan to Value Up to 85% Loan to Value $25,000 to $300,000 Prime minus ½% (currently 6.75%) Prime minus 0% (currently 7.25%) $5,000 to $24,999 Prime minus 0% (currently 7.25%) Prime plus ½% (currently 7.75%) Introductory rate of 2.49% for 12-months after opening (if $10,000+ initial advance). Additional Home Equity Credit Line Information Maximum line of $300,000. Interest rate based on the Wall Street Journal Prime (currently 7.25%). Introductory rate of 2.49% for 12-months after opening (if $10,000+ initial advance). Ongoing rates are subject to a 3.0% APR lifetime floor rate after the expiration of the introductory rate. Available in MD, DC, VA, PA, DE, NY, FL or NJ. Fixed Rate Home Equity Loans (2nd Mortgage) - A fixed rate installment loan secured by your primary residence. Term Up to 80% Loan to Value Up to 85% Loan to Value Up to 5 years, as low as 4.99% 5.49% Up to 7 years, as low as 5.24% 5.74% Up to 10 years, as low as 5.49% 5.99% Up to 15 years, as low as 5.99% 6.49% Additional Fixed Rate Home Equity Loan Information Available in MD, DC, VA, PA, DE, NY, FL or NJ. Maximum loan is $250,000 (maximum based on credit score). Less 1/2% if loan is the first lien on the property. Rates assume LMFCU is paying the customary closing costs.