**Subject to credit approval. Limited time offer available to qualified borrowers for owner-occupied, single-family residences located in Wisconsin and Minnesota. Rates shown are for up to 80% loan-to-value. For 5.49% annual percentage rate (APR) for first 12 months, you must have a State Bank Financial personal checking account with $50.00/month direct deposit. If the checking account is closed, or the direct deposit amount falls below $50.00/month, the APR will increase to the Prime Rate as published in the Wall Street Journal. All other customers will receive 5.99% APR for first 12 months. After the promotional rate period, the rate will become variable, subject to change monthly, based on the Prime Rate published in the Wall Street Journal, with a minimum APR of 4.00%, and a maximum APR of 18.00%. As of March 10, 2025 the Wall Street Journal Prime Rate is 7.50%. The promotional rate is available on new HELOCs of $10,000 or more or on existing HELOCs with an increase of $10,000 or more. Proof of homeowner's insurance and proof of flood insurance (if applicable) are required. Consult a tax advisor about interest deductibility. You are responsible for fees to third parties, which generally range from $431.43-$2,085.29; closing costs vary. MN residents are subject to a mortgage registration tax of $2.30 per $1,000 borrowed. Upon request, a good faith estimate of these fees will be provided. Offer expires on June 20th, 2025.