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Real Estate & Land Loans

Introductory, low-rate HELOC

Start that home improvement project or consolidate your debt

3.99% APR* 
Introductory fixed rate for the first 6 months
No closing costs or annual fees.
A home equity line of credit (HELOC) offers a revolving line of credit you can borrow against when you need to.
A Home Equity Loan or Line of Credit can be used for almost any major expense, including:

  • Home improvement
  • ​Education expenses
  • Debt consolidation
  • Vacations
  • Vehicle purchases
  • Weddings, and more
Land Loans can support residential lots or raw land.
Couple painting a room as part of a home renovation
*For applications received between October 1, 2023 and December 31, 2023. •No fees. •Introductory interest rate of 3.99% Annual Percentage Rate (APR) for the first six months subject to new applications up to 80% loan to value. Rates are subject to change at any time. •Variable interest rate after introductory rate period with interest rate ranging from 8.25% APR to 9.00% APR subject to change at any time. Lowest rate of 8.25% APR assumes a credit limit of $100,000 with loan to value of 80% and FICO score of 625. •Variable interest rate will be based upon an index rate (Prime rate as published in the Wall StreetJournal [WSJP]) plus a margin, with the current index at 8.50%. •Floor interest rate of 3.00% APR with18% APR maximum interest rate. •Minimum Payment Example (including introductory rate period): 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 $10,000.00 at an APR of 3.99% (6 months) and 8.75% APR for 9.5 years. During the introductory period, you would make 6 monthly payments of $33.25. Then you would make 54 payments ranging from $67.12 to $74.32. Then you would make 60 monthly payments of $206.39. •All loans subject to credit approval.

To apply for a Home Equity Loan, Line of Credit or Land Loan, please stop by or call the branch location most convenient for you.

All loans are subject to credit approval.

The interest on your home equity loan or line of credit may even be tax deductible. Speak with your tax advisor for more information.