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Visit your local Tri Counties Bank branch

Call: 1-800-982-2660 

Home Equity Line of Credit1 Special Offer


12-Month Introductory Fixed Rates from

4.00% - 5.25% APR2

After intro rate period ends, variable APRs ranging from

5.25% - 9.00% APR3


Introductory fixed rate is based upon initial draw amount. Subject to credit approval.
See branch for details.

Get cash from a Home Equity Line of Credit to:

  • Pay taxes
  • Make home improvements
  • Finance a large project
  • Consolidate high-interest debt

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

Hurry! Apply by June 30, 2019 to take advantage of this special offer.
Apply online or contact us today to get started.
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

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 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 4.00% - 5.25% Fixed Introductory Annual Percentage Rate (APR) for 12 months on new Home Equity Line of Credit applications for qualified applicants who apply by June 30, 2019. The rate will not increase during that period. Introductory Rate is available for new approved Home Equity Line of Credit applications where the loan-to-value is 80% or less. To get the Introductory Rate, borrower must maintain a qualifying Tri Counties Bank consumer checking account. The Introductory Rate is determined by the initial draw from the HELOC: $10,000-$49,999 = 5.25%; $50,000-$99,999 = 4.50%; $100,000 or more = 4.00%. Any 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 to 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. As of February 28, 2019, the Prime Rate was 5.50%. After the Introductory period ends, fully indexed current rates range from 5.25% to 9.00% APR and will change when the Prime Rate changes. When the Prime Rate does change, the minimum APR will never go below 4.50% and the maximum APR will not exceed 18.00%. 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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