1Primary residence owned by the member(s). 2APR = Annual Percentage Rate. Introductory Rate for first 6 months is 1.99% APR. Thereafter, the Home Equity Line of Credit will have a variable rate ranging from 4.00% APR to 18.00% APR. Maximum rate change in 12-month period is 2.00% APR. Interest rate is based on creditworthiness. Loan is subject to credit union eligibility and underwriting guidelines. Fees up to $3,500.00 may be charged by SUN Credit Union or third party. 3SUN Credit Union will pay half of the closing cost provided a minimum draw of $10,000.00 is taken and the loan is not paid off within 24 months.