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Personal Banking

Ahh... the Thrill of a Spring Project

A Home Equity Line of Credit is a great way to finance your next project. Convenient.  Flexible.  Achievable.

Enter our Contest!

Join the fun with our Home Improvement Photo Contest. Share a picture of your much needed renovation project and you will be entered for a chance to win a $1,000 Home Depot gift card!  Read our officials contest rules below.

Enter Here

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 to apply for a Home Equity Line of Credit.

Apply Online

Please read the contest guidelines and photo requirements carefully.  Sorry, photos not meeting the requirements will not be accepted.  If you have questions, please contact

Contest guidelines:

  • No purchase necessary.
  • US Only.
  • Entrants must be at least 18 years of age and a legal US Resident. 
  • Beginning Photo Entry Date: May 6, 2019, Ending Photo Entry Date: May 26, 2019.
  • The winning photo will be selected via online vote at 
  • The online voting period will be from Monday, May 27, 2019 thru June 9, 2019.
  • Winners will be announced by Tuesday June 11, 2019 and contacted via email.
  • 1 winning photo will be chosen.
  • The contest is open to the public.
  • A maximum of one (1) photo can be submitted per email address. 
  • A maximum of one (1) vote per IP address and Facebook account can be submitted.
  • Photos containing trademarks or logos of a professional photographer will not be accepted.  
  • Anyone submitting a photo to the contest agrees to allow their photo and name to be published, if selected, as the winners in the Savers Bank Home Improvement Photo Contest.
  • Savers Bank retains the right to use the winning photograph in any advertising and/or promotion it deems suitable, including, advertisements, or on its website.
  • All photos must be taken by the entrant, affirming the photo is wholly original and has not been copied in whole or in part, from any other work, and that no other individual has any ownership claim over the image.
  • All photographs must depict only home renovations and will be rejected if the content is deemed inappropriate. Photographs including people will not be eligible.
  • Employees of Savers Bank and their immediate family members will not be eligible.

Photo requirements:

  • Digital photography only, no prints will be accepted.
  • Photos will be accepted in color only.
  • Images should be in a horizontal, high-resolution digital format at a minimum of 300 dpi.  If capturing photos with a smartphone make sure it is on HDR (High Definition) and the minimum file size is 2MB, or your digital camera is on its highest setting, so that your photo can be reproduced at its best. 
  • Photographs with slightly lower resolutions will be reviewed and considered, but may be rejected.
  • Digital images should be in TIFF or JPEG format, and may not exceed the size limit of 10 MB.
  • Savers Bank reserves the right to color correct and/or crop photo entries if necessary.

How to submit photos:


Entries will be submitted here:

Enter Here

For help, email


Photos emailed to will not be accepted.