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Glossary

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Home Equity Line of Credit

​Put the equity you’ve built in your home to good use.

Having a Home Equity Line of Credit (HELOC) gives you the flexibility to finance a wide range of expenses. A HELOC is based on the equity built in your home, helping you benefit from a line of credit with competitive rates and potential tax savings.* You can use the funds available in your HELOC to meet your goals, whether that’s to help pay for college, finish the basement, or just go on a much-needed vacation.

What is a Home Equity Line of Credit, and when is it useful?

Often simply called a HELOC, a Home Equity Line of Credit is like a credit account based on the amount of equity in your home. Borrow up to your credit limit whenever you need the funds, then the balance revolves as you repay it. The cash can be used for whatever – home improvements, medical bills, debt consolidation. Whatever you need, we offer HELOCs that work for you.

  • Competitive interest rates
  • Access money by Visa Gold Card, paper checks, cash advance, or online transfer
  • Options with no closing costs
  • No fee for the first year, then only $50 annually
  • Credit life insurance and disability insurance offered
  • Potential tax advantages*

*Consult your tax advisor as to whether this account could benefit you.

Anytime Banking

There are several ways to manage your money from outside a banking office. We’re always glad to see you in person, but we know that sometimes it’s more convenient to handle your banking from home or while on-the-go.

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Refinance

Enjoy peace of mind from a refinanced mortgage that works for your specific circumstances. Whether you’re trying to lower your monthly mortgage payment, pay off your balance faster, or get cash out of your home equity—we can help you evaluate all of your options. We’ll talk through all the factors and give you clear comparisons.

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Checking Accounts

Like free checking? We have an account for you. Like checking that earns interest? We have that, too. We offer various accounts with unique benefits to better fit your needs.

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