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💸 Get up to $400,000 Limit 💸 2% Unlimited Cash Back 💸 Starting at $0 to Get a Card 💸 Unlock Your Home Equity Aven Financial, Inc. dba Aven (or AvenCard in AR, ID, and PA) NMLS # 2042345. aven.com/licenses Aven Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC, NMLS #462289. Subject to credit approval. Certain terms and conditions may apply. Visit aven.com for details. Equal Housing Lender. The Aven HELOC outperforms or ranks equally with competitor’s HELOCs in categories such as interest rate, account opening fees fees, customer review scores, and total number of customer reviews. Source “HELOC Rates: Compare Top Lenders in February 2025” Nerdwallet.com. Aven is also one of the 3 fastest HELOCs in the U.S. as of February 2025 and rated with more 5-star Trustpilot reviews than its two fast competitors. The annual percentage rate (“APR”) is the cost of credit as a yearly rate and does not include costs other than interest. The APR is a variable rate based on the Wall Street Journal prime rate (“Index”) published by the Wall Street Journal in its Money Rates section. The WSJ Prime Rate as of Jan 9th, 2026 EST is 6.75%. Your initial APR is based on a margin, determined by your creditworthiness when you open your account, plus the Index at the time of application. Your APR is subject to change as allowed by applicable law. Best rates available only to the highest-qualified borrowers. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 2.5% of amount transferred. This fee is subject to change. The county where your property is located may charge recording fees. If your line is greater than $25,000, you are responsible for paying these costs. These costs will be placed in a 12-month interest free, fixed term loan and be part of your Minimum Payment Due. Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions. For more details on your cash back, see Cash Back Terms & Conditions. Some restrictions apply. If you opened a HELOC with another lender on or after January 1, 2023, or received a fully underwritten HELOC offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. 700+ FICO required. Restrictions apply. HELOC Rate Guarantee Terms and Conditions. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.