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Personal Banking

We make it easy and affordable
to tackle your home projects.

Home Equity Line of Credit

1.95%
APR*

Home Equity Line of Credit

A convenient and flexible source of funds using the available equity in your home which you can access at anytime simply by writing a check. A line of credit is a great way to finance periodic expenses such as emergency repairs, college tuition, or home remodeling projects. You only pay interest on the funds you actually use, and you have the flexibility of interest-only payments for the first ten years.

  • No closing costs
  • Adjustable Interest Rate equal to the Prime Rate as published in the Wall St. Journal on the last business day of each month
  • Minimum APR is 4.00% / maximum APR is 18.00%
  • 20 year term (10 year Draw Period followed by a 10 year repayment period)
  • Monthly interest-only payments during the draw period / principal plus Interest during repayment
  • Paperless billing with e-bills available
  • Minimum loan amount is $25,000 / maximum $500,000
  • Owner occupied 1-4 family properties
  • Pay-down principal balance (to zero) at any time without penalty
  • $500.00 Early Termination Fee applies if you payoff and close the line of credit within three (3) years of the date you signed the note and mortgage
  • Homeowners insurance on the property securing the line is required

Visit our Mortgage Center below to apply online or visit any of our branch locations today to get started on your goals.

Visit our mortgage center for tools and resources to help with making the best choice for you or to apply online.


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*Home Equity Line of Credit (HELOC), APR = Annual Percentage Rate. Discounted rate in effect for the first 12 months billing cycles, then Prime + 0.00% for the life of the line, subject to minimum interest rate of 4.00% and maximum interest rate of 18.00%. Rate changes monthly on the 1st calendar day of each calendar month. The index is the Prime Rate as published in the Wall Street Journal in the Money Rate Section on the last business day of each month. The current Prime Rate is 4.00% as of March 17, 2017. During the Draw Period payments are interest only based on average daily balance and interest rate. During the Repayment Period Payments are Fixed Principal amount plus interest due with a $50 minimum payment. Term 20 years (10 year Draw/10 Year Repayment). A balance remaining at the end of the draw period will automatically be set up on a 10 year repayment plan. Offered to New HELOC customers only.  Minimum Loan Amount 25,000/Maximum Loan Amount $500,000. Owner Occupied Residential Properties Only. Borrow up to 70% Combined Loan To Value (CLTV) based on tax assessed value or 80% CLTV with full appraisal.  Loan amounts greater than $249,999 require a full appraisal.  All appraisal costs paid by borrower.  No application or closing fees, charges may apply if property is held in trust. Payments do not include taxes or insurance premiums. Homeowners insurance on the property securing the line is required. $500 early termination fee applies if you payoff and close the line of credit within three (3) years of the date you signed the note and mortgage.  Discounted rate is valid as of April 17, 2017 and is subject to change at any time without notice.