Subject to credit approval. Limited time offer available to qualified borrowers for owner-occupied single- family residences located in Wisconsin and Minnesota. Rates shown are for up to 80% Loan to Value; after promotional rate period, the rate will become variable subject to change monthly, based on Prime Rate as published in the Wall Street Journal with a floor rate of 4%. Maximum Annual Percentage Rate is 18.00%.Promotional rate is available on new HELOC’s only of $5,000. or more or on existing lines with an increase of $5,000. or more. Proof of homeowner’s insurance is required. Consult tax advisor about interest deductibility. You are responsible for fees to third parties, which generally range from $323.70-$1,865.65. Closing costs vary. In addition, MN residents are subject to mortgage registration tax of $2.30 per $1,000. borrowed. You may receive upon request a good faith estimate of such fees. Requires State Bank Financial checking account and auto -pay.