*Annual Percentage Rates (APRs) are subject to credit qualifications, based on FICO score. Rates are effective February 23, 2026 and are subject to change. Promotional rate available for all new HELOCs. Introductory rate of 4.00% APR for 6 months and a variable rate based on The Wall Street Journal Prime Rate minus 0.25% thereafter. Your monthly payment will increase after the introductory period ends. The post-introductory interest rate is subject to monthly adjustments as the Prime Interest Rate changes, which is currently 6.75% as of December 11, 2025. Your APR will not exceed 18% or go below 3.25% at any time during the term of your account. The disclosed rates require a credit score greater or equal to 680, and an eligible CNB Bank checking account with auto-charge enabled for the payment. Maximum LTV of 85% on primary residence to qualify. 10-year draw period and a 20-year repayment period. Lines of credit are available starting at $2,500 and are for personal, family and household purposes. Other rates and terms may be available. Adequate property tax insurance is required. A $49 annual fee applies to the draw period. A $99 fee applies each time the fixed rate lock is established. Introductory APR does not apply to fixed rate locks.

**No closing costs for loan amounts up to $500,000. If the line is terminated within the first 36 months, you will be required to reimburse CNB Bank for the third-party costs associated with originating the loan. Third party costs are estimated between $600 – $6,200 based upon loan amounts up to $500,000, and must be paid at the payoff and termination of your account.

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