*Existing First Federal Savings Bank (FFSB) Home Equity Lines of Credit (HELOCs) are not eligible to modify or refinance to the 4.99% introductory promotional rate. Must apply by June 30, 2026. The HELOC Introductory rate of 4.99% will start at closing (note date) and continue for the first 6 months from the note date. After the Introductory Rate period ends, the APR can change monthly and will be calculated adding the monthly variable rate Index plus a Margin. The index is the Wall Street Journal (WSJ) Prime Rate. The margin is based upon the credit score and loan to value (LTV) at the time of credit review. The current margin can range between .250 to 2.5%. The APR = Annual Percentage Rate. Ask your Mortgage Loan Originator for details. **The .250 discount to rate for establishing and maintaining a Care-Free automatic payment from a FFSB personal deposit account does not apply to the 4.99% introductory rate and will be subtracted after the 6-month introductory rate promotion ends. The current non-promotional APR rate ranges from 7.00% to 9.25%. The rate floor is 5% and the maximum rate is 21%. 90% Combined Loan to Value (CLTV) for Owner Occupied and Second Home 1-unit properties with a maximum of 85% CLTV for 1st Lien Position. Property restrictions apply. Minimum credit score of 680. The minimum line request is $10,000 and the maximum is $250,000. The HELOC will have a 10-year draw period with access by check or debit card. The minimum payments are interest-only during the draw period. After the draw period ends, funds can no longer be accessed during the repayment period of 20 years. Any remaining balance is amortized over 20 years based upon the monthly variable WSJ Prime Rate Index plus Margin. All Loans and Lines of Credit are subject to credit review and decision. Rates, Index, Margin and Introductory promotional rates are subject to change without notice. First Federal Savings bank is FDIC Insured and a Equal Housing Lender. NMLS# 399927