*Actual introductory rate as of 06.23.17: Wall Street Journal Prime Floating Rate minus 1.26% APR (currently 2.99% APR). At the end of 12 months, the interest rate and annual percentage rate (APR) is variable based on Wall Street Journal (WSJ) Prime Rate plus a margin of 1%, no floor or WSJ Prime Rate plus a margin of 0.5% with a floor rate of 4.00%. WSJ Prime is a variable rate; as it changes the APR on your account will also change. WSJ Prime as of 06.23.17 is 4.25%. APR based on 5.25% interest rate is 5.323%. APR maximum is 18.25%. Closing cost may range from $300 to $1,500. Bank pays closing costs for new HELOCs up to $250,000, subject to initial draw of $10,000 and maintaining outstanding balance of not less than $10,000 for first 180 days. For HELOCs greater than $250,000, Bank pays up to $500 in closing costs. Primary or secondary personal residences only. Monthly automatic payment debit to a Progress account OR Progress Online Banking with one bill payment per month is required. Offer subject to credit approval. Consult a tax advisor regarding deductibility of interest. Prepayment penalty may apply. Offer expires 10.31.17.