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Big summer plans? Put your home to work for you.

Use the equity in your home for just about anything:

  • HOME IMPROVEMENTS
  • DEBT CONSOLIDATION
  • EDUCATION EXPENSES
  • AUTOS
  • AND MORE!

A Home Equity Line of Credit from Tri Counties Bank is the smart way to finance your summer plans. From travel to home improvement projects and more, you can use the equity in your home for just about anything.


Home Equity Lines of Credit1 Limited-Time Offers

6-Month
Intro Rate as low as

2.99% APR2

After 6 months, variable rate of

5.75% APR3

12-Month
Intro Rate as low as

4.99% APR2

After 12 months, variable rate of

5.75% APR3

Application must be received by September 30, 2018
Loan features include:

  • Instant access to funds with a Tri Counties Bank Equity Access Visa® Card – use everywhere Visa is accepted
  • Instant access to funds with Credit Line Checks
  • Transfer funds directly to your Tri Counties Bank checking or savings account
  • Fixed-Rate Option: Convert all, or a portion of, your line of credit into a fixed-rate loan without having to reapply
Get Started

Visit your local Tri Counties Bank branch

Call: 1-800-982-2660


Speak with a Home Equity Specialist

One of our home equity specialists will contact you and answer any questions you may have to help turn your home's equity into cash.




NMLS #458732

Variable Rate Home Equity Line with 6-Month or 12-Month Introductory Rate

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, or 70% maximum loan to value for 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 standard $75.00 Annual HELOC line fee will apply. 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 2.99% Fixed Introductory Annual Percentage Rate (APR) for 6 months or 4.99% Fixed Introductory Annual Percentage Rate (APR) for 12 months on new Home Equity Line of Credit applications for qualified applicants who apply by September 30, 2018. Introductory Rate is available for new approved Home Equity Line of Credit applications where the Loan to Value is 80% or less. Qualified applicants must take an initial advance from their line of credit of at least $25,000 to receive the Introductory Rate. To get the Introductory Rate, borrower must maintain a qualifying Tri Counties Bank consumer checking account. The Introductory rate of 2.99% APR includes a discount for Automatic Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase by 7.00% or the fully indexed rate, whichever is less. The Introductory rate of 4.99% APR includes a discount for Automatic Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase by 5.00% or the fully indexed rate, whichever is less.

3 After the Fixed Introductory Rate expires, the APR is a Variable Rate calculated by adding a margin to the monthly Prime Rate as published in the Wall Street Journal, Western Edition. The Prime Rate is currently 4.75% as of 5/31/18. 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%. Rate quoted includes a 0.25% discount for AFT from a Tri Counties Bank checking account; without AFT the APR will increase by 0.25%.


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