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* The Personal Line of Credit rates will vary with the Wallstreet Journal Prime Rate (WSJP). The 5.25% APR is based on (WSJP + 2%), a minimum credit score of 720, a minimum line of $25,001, and a term of 5 years. Other rates and terms apply based on the credit score and the amount of the credit line. VeraBank checking account is required. Maximum APR 18%. $25 annual fee. $5 minimum telephone transfer fee. Subject to credit approval and qualifications.