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*Introductory rate of 1.99% APR (Annual Percentage Rate) applies to the first 12 months of the loan. Following the introductory period, the rate is variable and is based on the Wall Street Journal Prime Rate plus 50 basis points. This offer does not apply to existing PeoplesBank Home Equity Lines of Credit. To qualify for the discounted variable rate of 3.75% APR following the introductory period, automatic payments from and direct deposits into a PeoplesBank checking account are required. The advertised discounted variable rate of 3.75% APR is accurate as of December 16, 2016. Maximum APR is 18%. The APR can increase if automatic payments from and direct deposits into a PeoplesBank checking accounts cease. Rates are subject to change without notice. Minimum loan amount is $5,000. Property insurance is required. Flood insurance may be required. Title insurance is required for loans over $250,000. A recording fee or recordation tax and lien search fee will be assessed and the amount will vary based on the property location. Other terms and conditions may apply. Offer is subject to credit approval. Consult a tax advisor regarding the deductibility of interest.