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¹The offer is effective as of 7/17/2023 and requires an automatic draft payment from an S&T Bank checking account and is not available for refinancing S&T Bank home equity debt. The APR is a variable rate and may increase after consummation with a maximum APR of 18.00%. Your APR may be based on your credit qualifications, the amount of your credit line, and loan-to-value. A processing fee of $75 will be waived. Payments for appraisals, when required, are the responsibility of the borrower(s). Appraisals typically range from $70-$725; however, the first $90 in appraisal fees will be waived. The Bank shall choose the appraisal type for the loan. Minimum line amount of $10,000 ($25,000 for interest-only). An early termination fee of $350 applies if your credit line closes within 36 months. An annual fee of $50 will be charged to your line of credit. Title insurance required on lines greater than $750,000. Owner-occupied properties only. Property insurance is required. Other rates and terms are available. Consult your tax advisor regarding the deductibility of interest. Subject to credit approval. Offer subject to change or withdrawal without notice.