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When Introductory Interest Rates Expire: The Best Options - Morris Invest**Eligible member will receive an introductory rate as low as 0% for the first 3 months or % for the first 6 months (see Intro Rate disclosure for. For a limited time secure a % intro APR* for 6 months when opening a HELOC at Spirit Financial Credit Union. Plus, pay no closing costs or fees. % introductory APR is available on new HELOC Prime Equity loans for 6 months after the loan is funded. At the beginning of the seventh month, your regular.