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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!

No Annual Fee Home Equity

As low as 3.50% Variable APR†

†Annual Percentage Rate (APR) is effective as of 2-15-17 and is subject to change without notice. Variable APR for the line is as low as Prime Rate minus 0.25% (3.500% APR) and a 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. This rate is for our most qualified borrowers. Your actual variable rate 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 will be charged if the account closes within 24 months. 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 14 years and 9 months to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 3.50%. During that period, you would make 60 monthly payments ranging from $26.85 to $29.73. Then you would make 119 monthly payments ranging from $40.79 to $100. A $299 documentation fee will be charged at account opening.

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At State Bank, our mortgage
experts will find the loan that
is just right for you. Get started
by applying online anytime, day
or night!

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