Our Hadley Branch will remain closed through at least Monday, October 19, due to ongoing water and plumbing issues. The drive-up Smart ATM remains open for your convenience, and includes the ability to deposit funds and make loan payments. All other branches remain open as usual during normal business hours. Access your accounts anytime through online and mobile banking.

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Home Equity Line of Credit

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Our Home Equity Line of Credit offers the convenience of being there when you need it. Draw only what you need, and make monthly payments based on your balance.

 

Submit Your Application Online Schedule Appointment

With a line of equity available to you, you'll never have to worry about last minute budgeting for surprise repairs.

Simply borrow what you need to fund your project, whenever you need it. You'll only pay back what you use.

Home Equity Line of Credit Rates

ProductAnnual Percentage RateMax Term
 rates starting at... 
Up to 80% Loan-to-Value Home Equity Line of Credit6.75%10 year draw, 10 year repay 
Over 80% to 90% Loan-to-Value Home Equity Line of Credit8.00%10 year draw, 10 year repay 

 

The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. 

Consolidate Existing Debt

If you’re looking to consolidate existing debt or lower your interest rate, a Home Equity Line of Credit is a great choice.

Make an Improvement to Your Home.

Looking to finance your next home improvement project, and have equity in your home that you can use? The Home Equity Line of Credit could be your answer.

Competitive Interest Rates 

Our interest rate is priced below the Prime rate, allowing you to keep more of your equity.

Home Equity Line of Credit Rates

Payment example: 6.50% for 10 years equals $11.36 per $1,000 borrowed.

Ready to Apply for a Home Equity Line of Credit?

Apply Online Apply by Phone Apply In Branch
Disclosures

View the Line-of-Credit Predisclosure.

The current prime rate is: 6.75%. Rates effective as of August 3, 2026. Rates subject to change at any time. 

  • Payment example: 6.75% for 10 years equals $11.48 per $1,000 borrowed.
  • Property insurance is required.
  • Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.
  • The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month.
  • The maximum Annual Percentage Rate that may be imposed in a variable-rate plan is 18.00%
  • The floor rate is 3.50% APR
  • To open a line of credit, there may be certain fees paid to third parties at closing. Unless otherwise noted, these fees generally total between $0 and $1,000.00.
  • Monthly payments are by default interest-only: Any excess payment will be applied to the principal balance after the accrued interest is satisfied (relative to the date of payment).
  • Additional principal-only payments may be made on an individual basis by calling our Contact Center at 800.852.5886, or by mailing in a check that indicates "principal-only" in the memo line.
Additional Details

Have easy access to your money with all of these benefits:

  • Borrow up to 90% of your home's equity
  • Advances can be made by phone or through online banking
  • Home Equity Checks are available for easy payment to contractors, electricians, and others
  • No application or annual fee
  • No pre-payment penalties
  • No closing costs for Home Equity Lines of Credit provided the initial credit line is maintained for a minimum of two years.

Financial Knowledge