If I have a variable rate product how will I know when the rate will change?

OnPoint products with a variable APR (annual percentage rate) are tied to the Prime Rate. For EquityFlex and Personal Lines of Credit, the Prime Rate published in the Wall Street Journal as of the 10^th^ of the month (or next business day if the 10^th^ falls on a weekend) will be effective the 21^st^ of that same month. For OnPoint credit cards, the Prime Rate published in the Wall Street Journal as of the 10^th^ of the month (or next business day if the 10^th^ falls on a weekend) will be effective on the 1^st^ day of the next billing cycle following the change. Please refer to our current Loan Rates Pages for up-to-date rates and fees.