Home Equity Line of Credit

APR* Term Current Rate Minimum Line Maximum Line
Wall Street Journal Prime + 0.00% 240 months 6.75% (variable) $25,000 $250,000

*APR= Annual percentage rate. Adjustable rate based on Wall Street Journal Prime (6.75%) plus 0.00%, currently at 6.75%. Minimum line amount is $25,000, maximum line is $250,000. Equity Lines of Credit has a floor rate of 4.50%, maximum rate of 18%. HELOC’s are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal Prime Rate. Maximum LTV is 80%. An early termination fee of $500 applies when a home equity line of credit closes within 3 years.

Fixed Rate Equity Loan

Rate Term Minimum Loan Amount Maximum Loan Amount Monthly Payment per $1,000
7.25% 240 months $25,000 $250,000 $7.90

Minimum loan amount $25,000 and maximum loan amount $250,000. Not available for homes currently for sale or intended to be sold within 6 months of closing. Available for single family/condo or 2-unit primary residences or single family/condo second home/vacation properties only. Homeowners insurance required. Fees for opening account range from $0 to $600. This product is not available if the equity loan would be a mortgage in 1st lien position. Please contact us for other options.

Overdraft Personal Line of Credit

Line Amount Rate/APR* Term
$750 – $5,000 Wall Street Journal Prime + 8.50% (variable) Custom

*APR = Annual percentage rate. Wall Street Journal Prime (6.75%) plus 8.50%. currently at 15.25%. Overdraft Lines of Credit have a minimum rate of 8.50%, maximum rate of 18.00%, and are variable rates subject to increase after consummation. Minimum payment of 3.00% of month end balance or $25.00, whichever is greater.

Credit Builder/CD Loans

Loan Amount APR* Maximum Loan to Value**
$500.00 and Above 3.00% above instrument 95%

*APR = Annual percentage rate. Minimum loan amount = $500.

**Maximum loan to value = 95% of the Certificate of Deposit account. Rate of collateral loans is subject to change based on a change in the interest rate and maturity of Certificate of Deposit account. Custom terms are available. Please contact a Personal Banker at 508-481-8300.
Effective date: March 12, 2026
Terms and Conditions (applicable to real estate loans and lines of credit) Loan to Value determined using lower of real estate tax bill value or Fair Market Value (FMV). Based upon collateral assessment, a full appraisal at borrower cost may be required to proceed. Property insurance required. Not available for homes currently for sale or intended to be sold within 6 months of closing. Loan to values decreased for Condo’s and if existing first lien is greater than $484,350. Fees for opening the line of credit account range from $0 to $600, and fees for fixed rate equity loans range from $569.05- $1169.05. Call for details. ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE ADDITIONAL TERMS, CONDITIONS, AND FEES MAY APPLY. PLEASE INQUIRE.