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Home Equity Lines of Credit and Home Equity Loans

Utilize the equity available in your home to finance certain items, including:

  • Home improvements or home repairs
  • Refinance options
  • Vacation home
  • College tuition
  • Debt consolidation

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Home Equity Line of Credit ( Interest Only )*

  • The line of credit is a revolving loan, and as such, the principal automatically becomes available again as you repay it
  • You can access your funds by logging in to Online Banking. When an Advance is made in Online Banking the funds are available immediately!
  • Billed monthly for interest only
NOTE: An early termination fee may apply if paid and closed within the first twenty-four months


Fixed Rate Home Equity Loan*

  • You borrow a certain amount for a specific period of time
  • Your payments are fixed so you have the stability of knowing what your monthly payment will be
  • Flexible terms


* Both the Equity Line of Credit and Equity Loans are subject to the following conditions:

  • There are no closing costs in most cases if loan is in a valid second mortgage position behind a bank or other financial institution. You may pay certain fees to third parties. These fees generally total between $0.00 to $1,000.00.
  • Loans are limited to a person's primary residence (1-4 Family Property) 
  • Loans amounts range from $10,000 to $250,000
  • The maximum combined loan to value is 80%, maximum total liens on the subject property not to exceed $400,000

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