*The introductory annual percentage rate (APR) of 4.50% for the first 5 months after account closing is available on a new home equity line of credit (HELOC) with a maximum LTV of 80.00% and for borrowers with credit scores of 700 and greater. After the 5-month introductory period, the variable APR is based on the Wall Street Journal (WSJ) Prime Rate minus 0.25%, with the minimum APR (floor) at 3.75% and the maximum APR (ceiling) at 25.00%. Using the WSJ Prime Rate of 5.5% as of 1/22/19, the APR after the introductory period would be 5.25%. The introductory rate is only available on HELOCs for personal use and secured by a 1-4 family, owner-occupied dwelling. The minimum line of credit amount is $10,000.00. Please inquire about available rates for HELOCs with LTVs over 80.00% or borrower credit scores below 700. The Westfield Bank HELOC account is a line of credit that permits you to obtain advances of credit for any purpose for 10 years (the “Draw Period”). After the Draw Period ends, you will no longer be able to obtain credit advances and you must repay the outstanding balance on your account over 20 years. A $65.00 annual fee applies starting 12 months after account consummation and continuing annually thereafter. Other closing costs required to open the plan that you may be required to pay include appraisal and title policy fees which can range from $0.00 to $2,350.00. An early termination fee of $200.00 applies if the HELOC is paid off and terminated within the first 12 months after account closing. Property insurance, including flood insurance if applicable, is required. HELOCs are originated by Westfield Bank, FSB (NMLS #507706). All lines of credit are subject to credit review and approval. A complete line of credit application must be submitted before end of business on or before 4/5/19 to qualify for this promotion. Interest rates and program terms are subject to change without notice. Call 800-368-8930 or visit an office for complete promotion details.