Home Equity Line of Credit (HELOC)

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Finance all kinds of major needs using your home’s equity as collateral.

We offer home equity lines of credit (HELOCs) — with competitive rates.

  • Competitive rates for several ongoing or seasonal needs
  • The existing equity in your home is used as collateral backingHalf - house
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via in-person transfers or by check
  • The interest paid might be tax deductible*
  • Set up automatic payments to be deducted from your account monthly
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

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*Consult a tax advisor.

 

Dream Kitchen Line of Credit

 

4.99% APR*

for the first 6 months
  • No Closing Costs
  • Borrow up to 90% LTV
  • Limited Time Only

*Rates effective as of 10/1/24 and are subject to change. Annual Percentage Rate (APR) will be fixed for a period of 180 days on all new home equity line of credit accounts. The initial disclosure APR will remain in effect for 180 days from the date of the agreement, after which time the APR is based on WSJ Prime and any applicable margin. Maximum APR 18%. After the initial discounted APR period, the rate is variable and subject to change monthly. A $50 annual fee is waived the first year but applies annually in subsequent years. The full term of the loan is 120 months. Minimum loan amount $20,000. Maximum loan amount of $2,000,000. There is an early closure fee of $1,000 or 1% of the amount of prepaids whichever is less for accounts open less than 24 months. Terms and conditions of this offer are subject to change without notice. Consult tax advisor on tax deductibility. Additional information and disclosures available upon request or at the time of application. Subject to credit approval.