Disclosure

*Specialty Equity Loan Program: Property must be located within MidFirst’s Assessment Area. Applicants must be 18 years or older and meet one of the following income-based requirements: 

• The applicant(s) combined income is considered Low-to-Moderate Income  (earning less than 80% of the median income of the Assessment Area), or 
• the property securing the loan must be located within a Low-to-Moderate Income Census Tract.

MidFirst will verify income and location eligibility during the application process.

Gift Card: Customer will receive a $100 gift card for completing an application for a Specialty Equity product and a $200 gift card for closing on a Specialty Equity product. Offer subject to change without notice and is not valid with any other promotional offer. Gift card will be mailed within 90 days of the applicable application or closing date. Limit of one gift card per household for applying and one gift card per household for closing. Value of the gift card(s) will be reported on IRS Form 1099-INT, or applicable tax form. 

No Closing Costs: No closing costs means MidFirst pays all closing costs, except any costs incurred by the borrower which MidFirst did not require. 

Specialty Home Equity Loan: The Annual Percentage Rate (APR) for the advertised product is 4.00% and the period of repayment is 5 years. The minimum allowable loan amount is $1,000 and the maximum is $6,500. 

Loan Example: The advertised APR is based on a loan amount of $2,500, a term of five years, APR of 4.00%, with a minimum credit score of 550, maximum debt to income of 75%, and a monthly payment amount of $46.04. Advertised rates are subject to change without notice and at any time, may vary by location and are based on creditworthiness, loan amount and loan-to-value ratio. Property insurance required, including flood insurance, if applicable, on the property that secures the loan. Payment amounts do not include taxes and insurance premiums. Your overall payment obligations may be greater. 

Automatic Debit Discount: A 3.50% annual percentage rate (APR), which is a 0.50% discount, is available to customers setting up an automatic debit from their MidFirst account. In the event the automatic debit is discontinued from the customer’s MidFirst account, the undiscounted APR of 4.00% will be reinstated effective immediately upon automatic debit discontinuation. 

Specialty Home Equity Line of Credit (HELOC) Introductory Annual Percentage Rate (APR): The Introductory APR of 0% is available only for the initial 6-month billing cycles. 

APR: The APR that will apply after the end of the Introductory APR period is variable and will vary based on the prime rate (the index) as published in the Wall Street Journal plus a margin. As of December 11, 2025, the variable rate for Home Equity Lines of Credit ranged from 6.45%† to 6.95%. Maximum APR of 21.00%. Credit line loan-to-value ratio cannot exceed 100%. The minimum allowable credit line is $1,000 and the maximum is $50,000. Advertised rates are subject to change without notice and at any time, may vary by location and are based on creditworthiness, loan amount, and loan-to-value ratio. Property insurance required, including flood insurance, if applicable, on property securing the loan. 

Fees: There is an optional Rate Lock fee associated with this product. If you choose to lock a portion of the outstanding balance of the line of credit into permanent financing, a $50 lock fee will apply for each portion you choose to lock; $5,000 minimum lock amount; maximum of three outstanding locks per line of credit. 

†Automatic Debit Discount: 6.45% annual percentage rate (APR) includes 0.50% discount, which is available for customers setting up an automatic debit from any MidFirst account. In the event the automatic debit is discontinued from the customer’s MidFirst account, the original rate will be reinstated effective immediately upon automatic debit discontinuation.