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Lock in our special rate offer for your Home Equity Line of Credit.

Apply by SEPTEMBER 30 to take advantage of this special offer.

We'll get in touch when it's convenient for you.

Or call now at: 1-800-982-2660

Home Equity Line of Credit1 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.

Smart Ways to Use a HELOC

  • Home Improvements

  • Debt Consolidation

  • Education

Loan Features Include:

  • Instant access to funds with a Tri Counties Bank Equity Access Visa® Card – use everywhere Visa is accepted

  • 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


Call us at 1-800-982-2660, or fill out the form above to speak with a Home Equity Specialist — let's talk home equity.

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 September 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 0.25% discount for Automatic Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase by 0.25%.

3 After the 12 month 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 index was 5.25% as of August 1, 2019. 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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