Home Equity

Put the equity you’ve built in your home to work — finance your next big project, cover personal expenses, and more with a home equity loan or line of credit.

Key Features

  • Competitive Rates
  • Local Processing
  • Tax Advantages1
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  • Competitive rates for several short-term or one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And much more
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • The interest paid might be tax deductible1
  • Helpful, customized service throughout the process
  • Attentive, friendly service from start to finish

1Consult a tax advisor.

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • Competitive Rates – Call us for more information
  • Flexible APR1 after 12 months — more options based on the equity in your home
  • Perfect timing:
    • 10-year draw period
    • 20-year repayment period
    • No need to refinance every few years!
  • No application fee
  • No closing costs
  • $50 annual fee waived during the first year
  • The existing equity in your home is used as collateral backing.
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • The interest paid might be tax deductible2 

Additional Terms and Conditions: Minimum loan amount of $10,000.  This account has a draw period of 10 years, after which any outstanding balance will be automatically converted to a 20 year fully amortized repayment period. Real estate taxes and home ownership insurance is required. Early closure fee of $500 if loan is paid off within the first 24 months. Consult a tax adviser for information regarding the deductibility of interest and charges.  Offer may change or be withdrawn at any time without notice.

1Your APR may vary and will be based on your credit qualification, the loan amount, the repayment term, loan-to-value (LTV), property type, and our lien position. There is no limit on the amount by which the APR can change during the term of the Plan. However, under no circumstances will your APR exceed 21.000% per annum at any time during the term of the Plan.

2Consult a tax advisor.

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