*The 12 month introductory period for the 1.61% Annual Percentage Rate (APR) is available on all new Home Equity Lines of Credit (HELOC) on applications received as part of the HELOC + Intro Rate product (HELOC +). Existing HELOC customers are not eligible for the offer. The 12 month introductory period for the HELOC + begins at line activation and will last 12 months from the line activation date. This is a limited time offer. Rates are effective as of December 15, 2016 and are subject to change without notice. This is a variable rate product. At the end of the 12 month promotional period the variable APR will be calculated using the Wall Street Journal Prime Rate plus 0.75% for lines $5,100 - $99,999 or Wall Street Journal Prime Rate minus .25% for lines of $100,000 or greater, when borrowers have a Start Earning, Start Benefiting or Start Rewarding Package account with automatic payment deduction. (For Package accounts, minimum daily balance requirements apply to waive monthly service charges.) Removal of automatic payment withdrawal will increase the rate by 0.50%. Closure of Start Earning, Start Rewarding, or Start Benefiting checking account may increase the rate by 0.25%. Higher rates may apply. As of December 15, 2016 the Wall Street Journal Prime Rate is 3.75%. The maximum APR is 18% after the promotional period ends. The minimum APR will be 3.50% after the promotional period ends. The HELOC + must be secured by a first or second position mortgage on a primary or secondary, owner occupied residential property. Investment, rental, or commercial properties do not qualify. Property insurance will be required. All loan products subject to credit approval. Beneficial always recommends you consult with your financial and tax advisors. See an associate for full details.