* If Fidelity Bank has a lower posted rate, for the same term home equity loan, borrowers can request a one-time rate modification to match the current rate. Offer available within the first 12 months after the effective closing date of new home equity term loans with application dates between March 3 and May 31, 2025. Eligible loans must be in good standing, cannot exceed $200,000, and must have an automatic payment deduction from a Fidelity Bank checking account. Additional restrictions may apply. Rate reduction is not automatic. Borrowers must contact Fidelity Bank and complete and sign a Rate Modification form. Rate reduction will be effective within two business days after completing form. Offer subject to change or cancellation at any time and cannot be combined with any other offers. For example, future short-term, promotional introductory rates are not applicable for rate reduction consideration. All loans subject to credit approval. NMLS# 452347. **5-Day Fasttrack approval is within five (5) business days from when Fidelity Bank receives all required documentation from borrower(s).