House

Apply for a Home
Equity Line of Credit today.

Or call 1-800-982-2660
or visit a local branch.

Historic low rates. Historically better service.

Special rate options are now available on a Home Equity Line of Credit with a Fixed-Rate Advance.

A Home Equity Line of Credit1 can be a smart way to finance home improvements and additions, or use your line of credit for other expenses. You can borrow against the equity in your home for just about anything. Work directly with a Home Equity Specialist and experience our unique brand of Service With Solutions®.

  • Variable and fixed-rate options
  • Interest-only payments available

Select the Fixed-Rate Advance2 Interest Only option that works best for you.


2.49% APR3 for 12 months, or

2.99% APR3 for 24 months, or

3.99% APR3 for 36 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 or more is required to receive Fixed-Rate Advance special offer. Offer valid for qualified applicants who apply between January 1, 2021 and March 31, 2021 and call to activate their Fixed-Rate Advance. Subject to credit approval.


Apply online, call 1-800-982-2660,
or visit your local branch.

Complete the form below and a Home Equity Specialist will contact you.


Lock in a low rate today in three easy steps:

  1. Call 1-800-982-2660 to lock in a low fixed rate by March 31, 2021.
  2. Make a new, single advance of $25,000 or more on a Home Equity Line of Credit by March 31, 2021.
  3. Lock in a rate of 2.49% APR3 for 12 months, 2.99% APR3 for 24 months, or 3.99% APR3 for 36 months on your new Fixed-Rate Advance with interest-only payments.



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 a 70% 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 any portion of your outstanding variable-rate balance and lock it 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, 2.99% APR for 24 months, or 3.99% APR for 36 months with interest-only payments is available on an FRA of $25,000 or more with a 70% loan-to-value (LTV) or less. To qualify for this offer, you must submit your request to lock in a fixed rate prior to taking the advance. To take advantage of 12 month promotional FRA rate, borrower must have at least 15 months left in their draw period. To take advantage of 24 month promotional FRA rate, borrower must have at least 28 months left in their draw period. To take advantage of 36 month promotional FRA rate, borrower must have at least 40 months left in their draw period. This offer applies to new advances only, and the qualifying advance amount must be taken in a single advance. A one-time $75 documentation fee will be charged for the fixed-rate advance. This offer is valid January 1, 2021 through March 31, 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 December 31, 2020. 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 Fixed Rate Advance 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.



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