Access 3 Interest Rates

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1Access 3 Equity Line subject to standard credit criteria. Advances shall accrue interest at the standard rate(s) and margin(s) as described below and in your Equity Line agreement. Minimum required line amount for the APR listed above is $50,000 with a Combined Loan-To-Value (CLTV) ratio of 70% in GA, TN, AL, SC, VA, MD, DC, and WV and 60% or less in FL and NC, and includes a 0.25% interest rate reduction obtained if payment is automatically deducted from a SunTrust checking, savings or money market account using SurePaySM. Relationship pricing discounts may not be applicable for all products. Consult your banker for details. These interest rate reductions do not apply to Fixed Rate/Fixed Term advances or during the repayment period, and are not available on existing consumer loans or lines of credit. Offer and rates for new and refinanced consumer home equity lines, as well as for home equity credit line increases, and are subject to change without notice. Not valid for payment of existing SunTrust obligations. The Prime Rate means the highest per annum “Prime Rate” of interest published by The Wall Street Journal in its “Money Rates” listings. Your actual Annual Percentage Rate (APR) rate is based on credit line amount, Combined Loan-To-Value (CLTV) ratio, credit report, and other factors. The rate is variable during the draw period and applies only to the revolving and interest-only options (during the repayment period for these options, the rate is fixed based upon the Prime Rate in effect on the last day of your draw period plus a margin of 4.00% with a 20-year straight amortization). The maximum APR is 18% for properties located in FL, GA, TN, AL, SC, VA, MD, DC, AR, WV or MS. The maximum APR is 16% for properties located in NC. Offer available only for owner-occupied, single-family primary residences located in FL, GA, TN, AL, SC, VA, NC, MD, DC, AR, WV or MS. Not valid on second homes, manufactured homes or cooperatives. SunTrust must be in a valid first- or second-lien position. Exclusions and limitations apply. Property insurance is required, and if applicable, flood insurance will be required. Consult your tax advisor regarding the deductibility of interest. For Visa® cash advances, ATM fee is $5 if and as allowed by applicable law.

2Fixed Rate/Fixed Term advances are available for terms of 60 months, 120 months, 180 months, 240 months and, for such advances taken at closing and to be disbursed immediately upon expiration of any applicable rescission period, 360 months. Each must be at least $5,000 per advance, and you may have up to five (5) outstanding advances under this option at any given time. For each advance taken under the Fixed-Rate/Fixed-Term option, there will be a $15 processing fee if and as allowed by applicable law.

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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