HOME EQUITY LINE OF CREDIT

A line of credit is an alternative to a loan. It provides you with more flexibility than a loan - no fixed payment, no set maturity and an interest rate that fluctuates with market conditions.

A home equity line of credit is ideal as a source of available credit for major expenses, such as: home improvement projects that may require contractors to be paid at different stages of construction, or a major purchase, such as new automobile, boat or camper. College or graduate school tuition payments, or equity for the purchase of a second home.

• Variable interest rate – based on market conditions, can go up or down
• Quick turnaround time – your line is ready when you are
• Easy access by check, phone transfer, in person or online
• Payment is established by usage. The minimum monthly payment is determined by the outstanding balance. No balance, no payment
• Interest paid may be tax deductible*
• FREE Online Banking service for reviewing your account information.
• No annual fee
• No closing costs*

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*Consult your tax advisor regarding tax deductibility and potential savings.