<h5 style="margin:0; padding:0;">Lawns are out. Water-wise is in.</h5>
<h3 class="text-primary"><b>Make Your Yard <i>Water-Wise</i></b></h3>
<p>Replace your thirsty lawn with water-smart native plants and mulch, and make your landscape fit our unique Inland Northwest climate.</p>
<h5>With a water-wise yard, you can:</h5>
<ul>
  <li style="list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)">Use less water each month</li>
  <li style="list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)">Spend less time and effort on yard upkeep</li>
  <li style="list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)">Save on your monthly utility bills</li>
  <li style="list-style-image:url(/imgs/ICON_chcekmark_green_sm.png)">Protect our river and our regional environment</li>
</ul>
<p>If you're ready to make the switch to a new, water-efficient yard, SCCU can help.</p>
<h5><b>SCCU offers two types of Water-Wise Landscape Loans</b> to help you remodel your home landscape:</h5>

<table class="ratestable two-column" style="margin:10px 0;">
    <tr>
        <td class="col1">
          <h5 class="text-primary" style="text-align:center; margin-top:0; font-style:normal;">Home Equity Line of Credit</h5>
          <ul>
            <li>Secured by a lien on your home</li>
            <li>3.99% fixed APR* for 5 years, then rate adjusts</li>
            <li>Terms from 5 to 15 years</li>
            <li>No loan fees or costs if loan stays open for 2 years. Borrower must reimburse SCCU for costs if paid off before 2 years.</li>
          </ul>
        </td>
        <td class="col1">
          <h5 class="text-primary" style="text-align:center; margin-top:0; font-style:normal;">Personal Loan</h5>
          <ul>
            <li>Secured or unsecured</li>
            <li>Rates vary from 5.99% APR* to 9.99% APR*</li>
            <li>Terms up to 7 years</li>
            <li>No loan fees</li>
            <li>Max loan $10,000<br /><br /></li>
          </ul>
        </td>
    </tr>
 </table>

<p class="terms">*APR = annual percentage rate</p>

<p>City residents creating a water-wise home landscape are encouraged to apply for the <b>City of Spokane Lawn Replacement Rebate</b>. Conditions apply. Learn about the City of Spokane's SpokaneScape
requirements at <a href="https://www.waterstewardship.org" target="_blank" data-warning >waterstewardship.org</a>.</p>

<p>SCCU's lending territory is the entire Spokane region. Your landscape project can qualify for SCCU's Water-Wise Landscape Loan even if you do not live within Spokane city limits or you do not qualify
for the City of Spokane's lawn replacement rebate program.</p>

<p>As a local credit union, SCCU makes lending decisions right inside our building on North Monroe.<br />Questions? Contact our loan office directly at 325-4444 or stop by our office.</p>