Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. 
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U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.
The Consumer Pricing Information brochure lists fees, terms and conditions that apply to U.S. Bank personal checking and savings accounts and can be obtained by visiting a branch or calling 800-872-2657.
Home Equity Line of Credit: Repayment options may vary based on credit qualifications. Choosing an interest-only repayment may cause your monthly payment to increase, possibly substantially, once your credit line transitions into the repayment period. Interest-only repayment may be unavailable. Loans are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. A U.S. Bank personal checking account is required to receive the lowest rate, but is not required for loan approval. Interest rate and program terms are subject to change without notice. Credit line may be reduced or additional extensions of credit limited if certain circumstances occur. Property insurance is required. Customer pays no closing costs. An early closure fee of 1% of the original line amount, maximum $500, will apply if the line is paid off and closed within the first 36 months (30 months for customers residing in North Carolina). Initial escrow related funding costs may apply. An annual fee of up to $90 may apply after the first year and is waived with a U.S. Bank Platinum Checking Package. Other restrictions may apply.
Home Equity Loan and Smart Refinance: In order to receive the lowest rate advertised, a set-up of automatic payments from a U.S. Bank personal checking or savings account is required but neither are required for loan approval. No closing cost option: a) is available for customers with a debt-to-income ratio of 43% or less; b) customer pays no closing costs. Initial escrow related funding costs may apply; c) a prepayment penalty of 1% of the original loan amount, maximum $500, will apply if the loan is paid off and closed within the first 36 months (30 months for customers residing in North Carolina); d) customers can choose to remove the prepayment penalty by paying an origination fee of 1% of the loan amount, maximum $500. Choosing the origination fee option will increase the final APR. Customers with a debt-to-income ratio above 43% do not have a prepayment penalty or origination fee. Loans are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Property insurance is required. Other restrictions may apply.
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