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Get it all done in 2018

With a Home Equity Line of Credit, get cash to use towards:

HOME IMPROVEMENTS

DEBT CONSOLIDATION

EDUCATION EXPENSES

AUTOS

HOLIDAY EXPENSES


Loan features include:
  • Instant access to funds with credit line checks
  • Loan amounts from $10,000 to $400,000




Home Equity Lines of Credit1

6-Month
Intro Rate as low as

2.24% APR2


After 6 months,
Variable Rate of

4.75% APR3

LIMITED-TIME OFFER

Offer valid until March 31, 2018

With an initial advance of $25,000 or more on a Variable Rate Home Equity Line of Credit.  

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 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 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.

2 2.24% Fixed Introductory Annual Percentage Rate (APR) for 6 months on new Home Equity Line of Credit applications for qualified applicants who apply by March 31, 2018. 2.24% Introductory Rate is available for new approved Home Equity Line of Credit applications where the Loan to Value is 70% or less and where either the primary applicant or co-applicant has a minimum credit score of 760 or greater. Other Introductory Rates are available for applications up to 80% Loan to Value and credit scores 680 or greater. 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 2.24% 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 6-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 Prime Rate is currently 4.50% as of 1/1/18. 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%.

Offer valid for qualifying applications received through March 31, 2018. See Branch for details. Rates and terms are subject to change.

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