Access to your dreams is waiting in the equity of your home!  Travel to Paris or Pittsburgh, Cologne or Colorado!  The destination is yours to pick!

Thinking of something closer to home?  Put in a new pool or patio, remodel a bathroom or living room, add new landscaping or an in-ground sprinkler system.  With a Home Equity Line of Credit you can do it all!

Payment options

  • 1.00% of balance
  • 2.00% of balance
Floor Ceiling
Interest Rate 4.50% 10.50%
APR 4.50%¹ 10.50%²

*Based on Wall Street Journal Prime Rate + 1.00%
*Rates effective as of 10/30/2018

Loan Types
  • Secured
Purpose
  • Home improvement
  • Purchases
  • Debt consolidation
  • Unexpected expenses
Collateral
  • Secured: Real estate
Repayment Term
  • 1.00% of 2.00% of principal balance + accrued interest
Rate Options
  • Adjustable
Other Fees
  • Loan origination fee
  • Appraisal fee
  • Title Insurance
  • Filing cost, if applicable
  • Flood search

Speak to a lender – Call 620.342.3523

Important Information

1.) Annual percentage rate (APR) is based on the New York Prime Rate published by the Wall Street Journal plus a margin of 1.00%.

2.) APR is based on the Maximum Lifetime Rate of 10.50%.

*Sample payment information based on estimated loan information

  • Minimum Payment Example: If you made only the minimum payments and took no other credit advances, it would take 60 months to pay off a credit advance of $10,000 at an APR of 4.500%. During that period, you would make 59 payments varying between $200.76 and $77.27 and one final payment of $3,800.77.
  • Maximum Rate and Payment Examples: If you had an outstanding balance of $10,000, the minimum payment at the maximum APR of 10.500% would be $201.78. This APR could be reached in the 1st rate adjustment of the Draw Period.

*Loans subject to credit approval; terms and conditions apply. Minimum line of credit amount is $10,000. Rates and terms are subject to change without notice. Other conditions may apply. Contact the Loan Department for full details.

 

Last Updated: October 30, 2018