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Unlike a loan, a line of credit is readily available — you apply for the line once, then draw on it as you need it.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Local Decisions
  • Competitive, variable rates for several recurring or one-time needs:
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And more!
  • Based on loan to value ration (LTV)
  • The existing equity in your home is used as collateral backing
  • Repayment terms up to 15 years
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Funds easily available via check or in-person/online transfer
  • The interest paid might be tax deductible*
  • Pay interest on only the amount you use
  • Easy application process
  • Quick, local decision-making
  • Attentive, friendly service from start to finish

What is a HELOC?

*Consult a tax advisor.