†Advertised introductory rate of 5.99% is the lowest available and is fixed for the first 12 months. Rate variable based on the Wall Street Journal Prime Rate (Prime) + a margin (determined by individual creditworthiness and loan-to-value ratio), with a floor of 4.00%. APR available for qualifying properties with a loan-to-value (LTV) of 80% or less. Credit Scores of 700+ will receive a margin of -.50%. Credit Scores of 675-699 will receive a margin of .25%. Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. New money only. Coastal1 HELOC refis must increase existing line by $30k to qualify and are not eligible for the introductory rate. Rate subject to change without notice. APR will not exceed 21% in RI. APR will not exceed 18% in MA. APR will not fall below 4.00% in either state. $50 annual fee. Reimbursement fee of $250 if you pay off your line within 24 months.  Rate as of  12/4/2025 and subject to change. Equal Housing Lender

Existing Coastal1 Credit Union Spectrum Home Loans are not eligible for this promotion. 7.375% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 12/4/2025. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $10.48 per $1,000 borrowed, based on 7.375% APR, 144 monthly payments. Equal Housing Lender.

7.13% Annual Percentage Rate (APR) available for qualifying properties with a loan-to-value (LTV) of 80% or less, and a repayment period of 60 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 12/4/2025). Other rates and terms available. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Repayment example: $ per $1,000 borrowed, based on 7.13% APR, 60 monthly payments. Equal Housing Lender.