We offer an attractive array of home equity programs designed for your specific needs.

The Home Equity Programs may be subjected to closing costs. Both loans and lines of credit have a $25,000 minimum loan amount and a maximum of $250,000.

Home Equity Line of Credit

Our home equity line of credit allows you to access the equity in your home for any purpose you want, whenever you want.

You only pay interest on the balance outstanding and as you pay down your balance you credit limit is freed up for future purposes.

The rate on our Line of Credit is tied to the prime rate on the last business day of the previous month plus any margin your loan may have as indicated in the table below.

All Lines of Credit feature a 10 year draw period (most other institutions only provide a 5-year draw period) followed by a 15 year repayment plan.

Home Equity Line of Credit Rates
Loan-to-Value Up to 80.00%​      
Margin* 0.00%      
Rate 4.75%      

* The "Margin" is the amount added to the index (Prime Rate) to determine your interest rate.
The Prime Rate is 4.75%.

Apply Now!Financial Calculators

Home Equity Loan

All of our Home Equity loans feature a fixed rate for the life of your loan.

They are ideal for those who already have a specific purpose in mind such as home improvements, debt consolidation, a wedding, a new car, etc.

The rates indicated below are for loans with a maximum loan-to-value of 80%.

Home Equity Loan Rates
Term​ Rate APR* Per $1000
10 Years 6.25% 6.25% $11.23
15 Years 6.50% 6.50% $8.71
20 Years 6.75% 6.75% $7.60

* Annual Percentage Rate

Apply Now!Financial Calculators