As a result of system updates we will have several interruptions in service:

Bill Pay will be disabled on Friday, September 25th at 3 pm and Mobile and Online Banking will be down from noon on Saturday, September 26th until Monday morning 9/28. ITMs will close one hour early at noon on Saturday, September 26th and the Walmart office will be closed Saturday, September 26th and Sunday, September 27th.

We apologize for the inconvenience.


Home Equity Loans & Lines of Credit

You can access up to 80% of the equity in your home and use the money for renovations or repairs, to pay off high-rate credit cards, or for any other project you have in mind.

We offer two types of loan products that use the equity in your home as collateral:

Home Equity Loans

A Home Equity Loan offers the piece-of-mind of having monthly principal and interest payments at a fixed rate.

Home Equity Lines of Credit (HELOC)

A HELOC is a variable rate line of credit that allows you to withdraw funds on an as needed basis, providing added peace of mind knowing that you have a financial safety net should unexpected expenses arise. Payments are only required on the funds that you use. Fund advances can be made over a 10 year draw period, followed by a 10 year re-payment period. There is no penalty for early pre-payment. Read about home equity loans vs lines of credit. 

Which HELOC is right for you?

Special HELOC

Interest Only HELOC

Interest Rate Type:

1% below Wall Street Prime for the first 12 months* Adjustable to Wall Street Prime Rate


20 year (10 year draw, 10 year repayment), Monthly principal & interest payments 20 year (10 year draw, 10 year repayment), Interest only payments for 1st 10 years

SPECIAL and Interest Only HELOC

Learn more about our HELOC PRODUCTS

For more information call 800-643-2272 or email us or click an option below.

  Apply now for a Home Equity Loan or Line of Credit

*Rates subject to change at any time.