*Annual Percentage Rate (APR) effective as of 02/01/2026. Payments that will be determined by an index and margin shall be disclosed based on a reasonable current index and margin. Example for a $10,000.00 loan: 5 year HELOC would be 59 payments between $51.78 and $57.33 with a final payment of $10,055.33. 10 year HELOC would be 119 payments between $53.70 and $59.45 with a final payment of $10,057.53. Introductory fixed rate of 5.75% APR (5 and 10 year HELOC) valid 6 months from account opening. After introductory period, rate converts to a variable APR based on the Wall Street Journal Prime Rate plus applicable margin. Rates are subject to change without notice. All loans subject to credit approval and sufficient home equity. Property insurance required. Estimate for fees in North Dakota is $1,078.00.  Estimate for fees in Wisconsin is $913.00.  The maximum interest rate for the 5 and 10 year products is 18.00%. Application deadline 08/01/2026. Additional restrictions and fees may apply. Consult your tax advisor for information regarding the deductibility of interest and charges.