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Spring into action with a Home Equity Line of Credit(3)  

With a Home Equity Line of Credit with a Fixed-Rate Advance, get cash to use towards:


When you take advantage of a HELOC with a fixed-rate advance, you’ll enjoy the predictability of a fixed monthly payment that won’t change over the term of your loan to help manage your cash flow and household budget. HELOC balances that are not locked in with a fixed-rate advance remain available to you at the current variable interest rate, but the interest rate is subject to change unlike balances under a fixed-rate advance.

Loan features include:
  • Fixed-rate advance amounts from $10,000 - $400,000

  • 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

Home Equity Lines of Credit

Lock in a rate as low as

6.05% APR 1

for a set time period with a Fixed-Rate Advance 2

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

As of April 1, 2018, 6.05% Fixed Annual Percentage Rate (APR) for 36 months available to qualified applicants. Rate based on term selected and your creditworthiness. Fixed rate terms range from 36-120 months. The rate of the advance will not increase during the term selected. Fixed Rate Advance rates quoted require an Automatic Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase. A Tri Counties Bank Consumer Checking account is required to receive the lowest rate, but is not required for loan approval.

Home Equity Lines of Credit (HELOC) with a Fixed Rate Advance (FRA) are available to qualified applicants on owner occupied conforming residential real property in first or second lien position up to a 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.

The Home Equity revolving Lines of Credit will have an APR which is a Variable Rate calculated by adding a margin to the monthly Prime Rate as published in the Wall Street Journal. The Prime Rate is currently 4.50% as of 03/16/2018. 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%. Rates quoted include 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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