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Here are the current rates for Home Equity Loans and Lines of Credit. Please contact the office nearest you for more information on the wide range of products, terms and rates available.

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ProductAPRTermEffective
Home Equity Loan FIXED Rates as LOW as 4.25% APR1 15-year (Other terms also available) 10/21/19
Home Equity Line of Credit

0% APR2 for the first 6 months


 As low as 4.49% APR2 after that

6 months


240 months total

10/21/19
1 APR=Annual Percentage Rate effective September 1, 2019. Minimum FICO score of 700 to qualify. Your rate may also be different depending on credit history, lien position and LTV ratio. Offer not valid for refinancing existing Home Savings loans. Offer is based upon loans from $15,000 up to $200,000 for a 15 year term, a loan to value less than 90% on a first-lien and 85% on a second lien owner-occupied primary residence and cannot be a purchase money mortgage. Offer expires November 30, 2019.
2 APR=Annual Percentage Rate. APR effective September 23, 2019, and may change based on market conditions and borrower eligibility. 0.00% APR is valid for 6 months. After 6 months the rate will convert to our standard posted rate for which you qualify, which is based on Prime minus a margin with a minimum APR of 4.49% and a maximum APR of 21.00%. APR may adjust monthly based on the Prime Rate as published in The Wall Street Journal. Minimum FICO score of 700 to qualify. Your rate may also be different depending on credit history, lien position and LTV ratio. Offer not valid for refinancing existing Home Savings loans. Offer is based upon loans from $25,000 up to $300,000, a loan to value less than 90% on a first-lien and 85% on a second lien. This offer is for owner occupied, single family primary residence only, and cannot be a purchase money mortgage. In order to receive the offered rate, a minimum draw of $10,000 is required. An Annual Fee of $50 is waived for the first year. Taxes and property insurance are always required and flood insurance is required where necessary. Estimated loan fees and costs imposed for opening this plan will be $114, which consists of a $114 recording fee for the 1st 12 pages (we estimate 12 pages for recording, additional pages are $8 each). Additional related costs of $300-$700 are waived. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 10 year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Other rates and terms are available. Subject to credit approval. Interest rates and terms are subject to change without notice. Offer expires November 30, 2019. Home Savings Bank NMLS #494727.