* The maximum APR for all credits is 20%, minimum is 4.25%. The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate in the Money Rates section of the Wall Street Journal (the "WSJ Prime"). If the Prime Lending Rate is lower than the WSJ Prime, we will give you the benefit of the lower rate. Consult your tax advisor about the deductibility of interest. Property insurance is required. Offer applies to line secured by owner-occupied, one to four family residences located in the state of Illinois.