*Annual Percentage Rate. Requires minimum credit score of 600, membership, and credit approval. 3.99% APR introductory rate for the first year. After one-year promotional period, WS Prime Rate for those with credit scores of 700 and above; WS Prime Rate + 1.00% credit scores 650-699; and WS Prime Rate + 2.00% credit scores below 650. 10-year draw, with 20-year repayment period. No origination fee. No annual fee. CLTV (Combined Loan to Value) of 95% maximum. Adjustable rate floor is 4.00%, rate ceiling is 18.00%. Payment in draw period is interest only. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Limited time only, rate shown effective as of May 20, 2022. Rate subject to change and offer may end at any time without notice. Questions? Call us at 800.726.5644.