5.99% Special HELOC Offer!

Take advantage of our limited-time Home Equity Line of Credit (HELOC) offer—available to all qualified homeowners. This flexible financing option provides easy access to funds when you need them, with a low introductory rate and valuable benefits.

Key Features:

• Special Introductory Rate: 5.99% for the first 12 months
• Ongoing Variable Rate: Prime + 0.00% to 0.50%, based on qualification
• Bank-Paid Closing Costs: Up to $500

Whether you’re planning a home improvement project, consolidating debt, or covering unexpected expenses, this HELOC gives you the flexibility and savings to move forward with confidence. CONTACT US TODAY TO LOCK IN YOUR RATE!

Loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Credit line may be reduced or additional extensions of credit limited if certain circumstances occur. Additional terms and conditions apply. Available for Primary Residence only. The bank can lend up to 85% of the appraised value (minus 1st mortgage balance). $25,000 minimum loan amount and $500,000 maximum loan amount. Hazard insurance is required; flood insurance is required if the property is located in a flood zone. The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of December 19, 2024, the variable rate is 7.50% APR. Rates may vary due to a change in the Prime Rate, credit score, or debt to income. The rate will never exceed 18% APR, or applicable state law, or below 4.00% APR. You must pay certain fees to third parties such as appraisers, attorneys, credit reporting firms, and government agencies. These fees typically range from $750 to $5,270. Choosing an interest-only repayment plan will result in a final balloon payment at maturity. If you made only the minimum payment and took no other credit advances, it would take 10 years to pay off a credit advance of $10,000 at an Annual Percentage Rate of 8.00%. You would make 119 monthly payments of $67.95 and a final balloon payment of $10,067.95. Repayment of the $500 bank-paid closing costs will be required if the HELOC is closed within 36 months of origination.