*The introductory rate and Annual Percentage Rate (APR) of 5.490% are fixed for the first 12 months and require automatic payments made from an East Cambridge Savings Bank (ECSB) checking account. After 12 months, the rate and APR are variable and subject to change for the remaining life of the loan based on the Wall Street Journal Prime Rate (Prime) minus 0.510% (currently 6.24%) if the monthly payment continues to be automatically deducted from an ECSB checking account. If at any time the monthly payment is not automatically deducted from an ECSB checking account, APR will be variable and equal Prime plus 1.00%, currently 7.75%. As of 12/18/2025, Prime is 6.75%. Minimum 4.99% APR, maximum 18.00% APR. An Annual Fee of$50 will be charged to your Credit Account annually during the Draw period in the Monthly Statement Period ending in your anniversary month which we assign to your Credit Account. Early termination fee equal to ECSB closing costs (approximately $0 to $900) applies if the line is closed within the first 24 months. Property insurance will be required. The introductory rate is available to New HELOC customers, who do not currently have an open HELOC with ECSB with a minimum draw at closing of $25,000, OR Existing HELOC customers, who currently have an open HELOC. However, for Existing HELOC customers, there is a minimum draw requirement of $25,000 above the refinanced balance to qualify for this introductory rate. Subject to credit approval. Bank’s NMLS ID #441396.