Historic Low Rates on
Home Equity Lines of Credit

Call 1-800-982-2660 to speak with a Home Equity Specialist, or apply online.

Apply Online


Historic low rates. Historically better service.

Special rates are available now through September 30, 2021 on a Home Equity Line of Credit1 with a Fixed-Rate Advance2. With rates near historic lows, now is a great time to tap into your home's equity to finance home improvements or to use for other expenses.

  • Variable and fixed-rate options

  • Interest-only payments available


Select the Fixed-Rate Advance2 with interest-only payments 
that works best for you!

2.49% APR3 for 12 months, or

2.99% APR3 for 18 months, or

3.49% APR3 for 24 months

After fixed-rate period ends, variable rates will apply. Rates currently are

4.50% - 7.00% APR4

and are subject to change.


New, single advance of $25,000 is required to receive Fixed-Rate Advance special offer. Offer valid for qualified applicants who apply between May 19, 2021 and September 30, 2021 and call to activate their Fixed-Rate Advance. Subject to credit approval.



Lock in a low rate today in two easy steps:


  1. Call 1-800-982-2660 to lock in a low fixed rate by September 30, 2021.

  2. Make a new, single advance of $25,000 or more on a Home Equity Line of Credit by September 30, 2021.


To schedule a call with a Home Equity Specialist, fill out the form below.


1 Home Equity Lines of Credit (HELOC) are available to qualified applicants on owner-occupied conforming residential real property in first or second lien position up to an 80% maximum loan-to-value for primary residences and second homes. Second liens may not be written behind an existing HELOC. Standard closing costs generally range from $450 to $2,500 on home equity lines. Subordination fees to other lenders vary and apply on all line amounts. The $75 annual Home Equity Line of Credit fee will be waived for the first year. The $75 annual fee will apply for subsequent years. Property insurance is required. A prepayment fee of 2% of maximum credit limit or $500, whichever is less, applies if the credit line is paid off and closed prior to the three-year anniversary date of the credit agreement.

2 A Fixed-Rate Advance (FRA) is a feature that can be used within a variable-rate Home Equity Line of Credit. An FRA allows you to take a portion of your available unused line of credit and lock it in for a specific term and fixed rate at any time during the draw period, subject to your Home Equity Line of Credit Agreement. The FRA Interest Only option requires a minimum monthly payment equal to your accrued finance charges. The minimum monthly payment will not reduce the outstanding principal balance owing. Principal reductions may be made at any time. Check your Home Equity Line of Credit Agreement for details on how adding an FRA may affect other balances and payments you may already have.

3 2.49% Annual Percentage Rate (APR) for 12 months, or 2.99% APR for 18 months, or 3.49% for 24 months with interest-only payments is available on an FRA of $25,000 or more with an 80% loan-to-value (LTV) or less. This offer applies to new advances only, and the qualifying advance amount must be taken in a single advance before the promotional period ends on September 30, 2021. Existing Tri Counties Bank HELOC borrowers must have at least 15 months left in their draw period to take advantage of the 12-month promotional rate; at least 22 months left in their draw period to qualify for the 18-month promotional rate; and at least 28 months left in their draw period to qualify for the 24-month promotional rate. A one-time $75 documentation fee will be charged for the Fixed-Rate Advance. This offer is valid August 19, 2021 through September 30, 2021.

4 After the fixed rate expires, the APR is a variable rate which changes over time, and is calculated by adding a margin to the monthly prime rate as published in the Wall Street Journal, Western Edition. The prime rate was 3.25% as of June 1, 2021. The margin will be determined based on your creditworthiness, property type, occupancy, and loan-to-value. The APR will never be less than 4.50% or more than 18.75%. To qualify for the quoted rates, borrower must maintain a qualifying Tri Counties Bank personal checking account. Rates quoted include a 0.25% discount for Automated Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase by 0.25%.

Example of Fixed-Rate Option Interest-Only Payment:

A $25,000 FRA with a 2.49% APR for 12 months is approximately $51.88 per month. The actual monthly payment may vary based on the FRA request date relative to your scheduled monthly payment date. The minimum monthly payment will not reduce the outstanding principal balance of the FRA, and the entire outstanding principal balance will return back to the Variable Rate Portion of the Equity Credit Line Account at the end of the term or end of the Draw Period, whichever occurs first, and is subject to the terms and conditions of your Home Equity Credit Line Agreement.

Tri Counties Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.