*Limited-Time Offer. The 6.99% APR for the Fixed Rate promotion is available to anyone that qualifies and advances at least $10,000.00 from the available line of credit at the time the Fixed Rate Subaccount is opened. Conditions and restrictions, including those related to CLTV and credit score, apply. For full details go to Bellco.org/ChoiceLine. If you don’t qualify for the promotional rate, the APR for fixed-rate advances will be set using the fixed rate Bellco is offering at the time you fix the rate based on your credit score, combined loan to value, and lien position at the time the loan is closed. This fixed rate will be in effect for the whole term of the applicable Fixed-Rate Subaccount, which cannot exceed the remaining term of the loan. Variable Annual Percentage Rate (APR) for well-qualified borrowers as of January 1, 2025, is 7.50% and is subject to change without notice. Maximum APR for variable rate advance is 21%. Variable rate may change after account opening. Property must be insured, owner occupied (primary or secondary), and located in Colorado. Membership eligibility required. All loans subject to approval.