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Home Equity Loans

Write your own loan with a Home Equity Line.

Acquire substantial purchasing ability by turning that “paid for” portion of your home’s value into the money you need. Access your line of credit by transferring money through online banking, making a purchase with the Home Equity Line Access Card, write a check or draw a cash advance from a banking center. Apply online today. Click here to get started!

2.49% APR† 12 month Fixed Promotional Rate

As low as 3.00% APR Variable

†Annual Percentage Rate (APR) is effective as of 3-13-15 and is subject to change without notice. The initial discounted rate of 2.49% APR will be in effect for 12 months. Beginning the 13th month, variable APR for the line is as low as Prime Rate Minus 0.25% (3.00% APR) and maximum of 18.00% APR. Interest rates may vary and are indexed to the Prime Rate as published by The Wall Street Journal. Subject to credit approval. Your actual rate and credit limit will depend on loan to value and your credit score. An early termination fee equal to 2% of the credit limit up to a maximum of $350.00 will be charged if the account closes within 24 months. A State Bank checking account is required to receive stated rate. Consult your tax advisor about the deductibility of interest. Property insurance is required (and flood insurance, if applicable). If you made only the minimum payment and took no other credit advances, it would take 15 years to pay off a credit advance of $10,000.00 at an ANNUAL PERCENTAGE RATE of 3.00%. During that period, you would make 60 monthly payments ranging from $23.01 to $25.48. Then you would make 120 monthly payments ranging from $96.28 to $96.57. Amortization is 10 years. A $249 documentation fee will be charged at account opening. 

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