HELOC

• $0 Application Fee
• $0 Closing Costs
• $0 Annual Fee for Year One

All applications subject to credit approval. Cannot be used for purchase money transactions; primary residences only. Advertised rate is available to approved applicants with credit scores ≥720, with a minimum loan amount of $10,000 and maximum of $250,000, and with reoccurring automatic payments from an MB checking account. APR will never be lower than 2.75% APR or higher than 24.00% APR during the life of the loan. Rate is a variable rate APR based on the current Prime Rate as published in the Wall Street Journal and will be subject to change monthly without notice. Use of the word “Prime” does not mean that the rate is the best or lowest rate offered by any lender. To determine the annual percentage rate we use the current Prime Rate minus .50% (subject to the minimum APR above); as of October 22nd, 2021 Prime Rate is 3.25%. No loan origination or prepayment penalties. However, you may be responsible for reimbursement of certain costs paid on your behalf by The Middlefield Banking Company at time of account opening if loan is closed within 36 months of account opening. Annual fee of $85.00 beginning on the first anniversary date. Proof of Property and Hazard Insurance is required. Contact bank for additional terms and conditions. Consult your tax advisor regarding deductibility of interest. Applications must be received between September 13- October 31, 2021. Promo Code: FallSpecial2021

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