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When you need financing, don’t forget about the cash hiding in your very own walls. That equity can help you secure a competitive rate.

Key Features

  • Competitive Rates
  • Lump Sum or Line of Credit
  • Tax Advantages1
  • Local Service
  • Use your home equity as collateral for a term loan
  • Competitive rates for a wide range of needs
  • Flexible terms for payments you can afford
  • The interest paid might be tax deductible1
  • Easy efficient processing, from start to finish
  • Detailed, attentive service from people you know 

1Consult a tax advisor.

  • Introductory APR of 1.75% for 6 months and as low as 5.75% APR thereafter1
  • No closing costs on credit lines up to $250,0002
  • Draw what you need, when you need it
  • Transfer funds to/from your account via online & mobile banking
  • Pay interest only on what you use
  • Pay it down, and then reuse as needed
  • Get personalized attention tailored to your needs
  • In-house servicing for quick decisions
  • Easy application process

1Subject to Credit Approval. The introductory rate will be in effect for the first six (6) months after the account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate, which can range from Prime + 0.50% to Prime + 3.5% using the Wall Street Journal prime rate (currently an APR of 5.25%), not to exceed 18%. Subject to a floor rate of 1.75% APR. Information accurate as of 08/7/2019. After the introductory period, the variable standard APR will be based on borrower's credit rating. This offer is available on new equity lines of at least $10,000.00, and on existing equity lines with an increase in the existing credit line of at least $10,000.00. Property Insurance is required, as is flood insurance, where applicable. Offer is subject to change without notice. Exclusions and limitations may apply.

2No Closing costs for lines up to $250,000, subject to the following: Borrower will pay for the cost of any property insurance and flood insurance, where applicable. Borrower will pay prorated closing costs for lines greater than $250,000.00. Minimum new line, or increase in existing line, of $10,000 required. Prepayment penalty applies: If the Credit Line is closed and the bank releases its lien within two (2) years from the date of closing, borrower will owe a prepayment penalty ranging from $500 - $2,500 depending on the amount of the line, not to exceed 2% of the line amount.