Here's the info you are looking for. This info is quoted from our Operations/Deposit manual but comes from 226.24 of Reg Z (Closed-end advertising rules):
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A. “Triggering” Terms. The mere mention of certain loan terms in an advertisement will trigger a legal requirement to disclose certain other terms of the loan. The triggering terms for closed-end credit include:
1. The amount or percentage of down payment;
2. The number of payments;
3. The period of repayment;
4. The amount of any payment; and
5. The amount of finance charge.
B. Required additional disclosures. If any one or more of the above terms of the loan are stated in an advertisement, the following terms must also be disclosed (to the extent they apply):
1. The amount or percentage of the down payment;
2. The terms of repayment;
3. The “annual percentage rate,” or “APR,” using one of these terms; and
4. If the rate may be increased after consummation of the loan, a statement of that fact.
If an advertisement states a rate of finance charge, it shall state the rate as an “annual percentage rate,” or “APR,” using one of these terms. If the annual percentage rate may be increased after consummation, the advertisement shall state that fact. The advertisement shall not state any other rate, except that a simple annual rate or periodic rate that is applied to an unpaid balance may be stated in conjunction with, but not more conspicuously than, the annual percentage rate.
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Your banner does not need to state the "interest rate" but must state the "APR". If you mention the length to maturity, you do trigger (as explained in A2 & A3 above). The point should be in the APR, but you don't have to mention it. If you mention the point, you trigger disclosures (see A5 above).
Yes, you must include the Equal Housing Lender logo (dog house and words) but you don't have to say "Member FDIC" since loan ads are exempt.