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Equal Housing Lender. Member FDIC. NMLS #738802. 800-204-6477. See a retail real estate loan officer for full details.

*MORTGAGE SPECIAL: Subject to credit approval. Limited time offer available for the purchase of a one- to four-unit primary residence. Application must originate and be received by 10/1/2023. Purchase Money loan application must result in a closed loan to receive the $250 promotional credit which will be reflected on the Closing Disclosure document. The offer has no cash value. Terms and conditions subject to change without notice and may affect this offer.

**HELOC SPECIAL: Subject to credit approval. Limited time offer. Minimum credit line is $15,000. Maximum credit line is $250,000. Applications must be received by 10/1/2023 and result in a new line of credit to qualify for the closing cost discount. Specific credit qualifications apply to receive introductory rate. Introductory rate is an Annual Percentage Rate (APR) of 2.49% for the first 6 months. Introductory rate and no closing costs are available on new home equity lines of credit only with combined loan-to-value ratio (CLTV) of 80.0% or less on owner-occupied residential properties. After the introductory period, the APR is based on the Wall Street Journal Prime plus a margin determined at the time of consummation. During the 6-month introductory period, the APR will never be lower than 2.49, nor exceed 21%. The Wall Street Journal Prime on 3/7/23 was 7.75%. The term is 10 years of monthly interest only payments during the draw period followed by 10 years of monthly principal and interest payments. An annual fee of $55 will be assessed after the first year and each year the loan is open during the 10 year draw period. If the account is paid off and closed within 12 months of consummation, a Prepayment Termination Fee of the lesser of $375 or 2% of the total amount prepaid will be charged and a Reimbursement Fee equal to all upfront closing costs paid by JCBank to third parties at closing will be charged. Terms and conditions subject to change without notice and may affect this offer. Other restrictions may apply. Proof of homeowners insurance is required.
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