1Annual Percentage Rate (APR) is effective as of 5/19/2025 and is subject to change without notice. The initial discounted rate of 5.99% APR will be in effect for the initial 6 payments. Beginning with the 7th payment, the APR will be variable as determined by the Prime Rate plus or minus a margin. The amount of the margin will depend on the borrower’s creditworthiness; Only certain borrowers will qualify for the minimum APR of 7.25%. The maximum APR is 18.00%. Interest rates may vary and are indexed to the Prime Rate as published by The Wall Street Journal. Subject to credit approval. An early termination fee equal to 2% of the credit limit up to a maximum of $350.00 will be charged if the account closes within 24 months. A fixed annual fee of $50 will be assessed annually for a total of 9 years with a one-time documentation fee up to $299 assessed at account closing. Property insurance is required (and flood insurance, if applicable). Third party fees to open the plan range from $0 and $1,146. Offer not available for refinance of an existing State Bank home equity. All loans subject to credit approval.
2Some services may not be available at all terminals and merchants.