Limited Time Promotional Rate!

Get the Funds You Need—When You Need Them with our Winter HELOC Special!

LIMITED TIME ONLY!!

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Introductory Rate Options (first 12 months): *5.49% annual percentage rate (APR) with automatic payment from a State Bank Financial checking account. 5.99% APR without automatic payment from State Bank Financial checking account. If the checking account is closed during the promotional period, the APR will revert to the post-promotional variable rate as disclosed in your loan agreement. Post-promotional Rate: **After 12 months, the interest rate will become variable and may change monthly. The rate is based on Wall Street Journal Prime Rate plus or minus a margin, determined by your credit score and loan to value (LTV), as disclosed in your loan agreement. As of December 11, 2025, the Prime Rate is 6.75%. Current variable APRs range from 6.75% to 7.75%, with a lifetime minimum of 4.00% and maximum of 18.00%. APR example provided above assumes a credit score of 740+ with an LTV of 50% or less. Additional Info: Subject to credit approval. Offer valid on applications taken 10/15/2025-12/31/2025. Loan must close by 4/30/2026. Promotional rates apply to new HELOCs of $10,000 or more or increases of $10,000 or more to an existing HELOC. Available to qualified borrowers for owner-occupied, single-family residences located in WI and MN. Proof of homeowner's insurance and flood insurance (if applicable) is required. Consult a tax advisor about interest deductibility. Third party fees generally range from $431.43-$2,085.29; closing costs vary. MN residents are subject to a mortgage registration tax of $2.30 per $1,000 borrowed. No membership, participation fees, or activity charges apply. A good faith estimate of fees is available upon request.

Equal Housing Lender. Member FDIC. NMLS #421998