APR = Annual Percentage Rate. All loans subject to creditworthiness. Rates accurate as of today - 7/5/2015 and subject to change without notice. Special rules apply for each option. For variable rate lines of credit, the APR on all new advances and existing balances may change quarterly on the first day of January, April, July, and October of each calendar year. The APR is based on the value of an Index. The Index is the weekly average yield on United States Treasury Securities, adjusted to a constant maturity of (1) one year.