Home Equity Loans & Lines


Get a Home Equity Line of Credit for 2.99% APR*

What will it be? A dream vacation? That kitchen remodel you've always wanted to do? Let ACCESSbank help you make the most of your money. Ready to get started? Reach out to our team today!

  • No Annual Fee
  • Interest only payments
  • Interest may be tax deductible**
  • Draw funds up to the approved amount at any time

Features and Benefits 

  • Get up to 100% of the available equity in your home
  • NO CLOSING COSTS (excluding appraisal or internal evaluation)
  • Low, competitive interest rates
  • Monthly payments can be automatically deducted from your checking account

*Introductory rate only applies to loans with a total loan-to value (LTV) of 80% or less. The initial APR will remain in effect for 12 months from the date of the agreement, and will be a fixed Annual Percentage Rate (APR) of 2.99% Thereafter, the rate will change to the then in effect variable rate APR (As of today's date, the rate would be the Wall Street Journal Prime + .50% (4.25%) with a floor APR of 3.75%). As of today's date WSJ Prime is 3.25% The maximum APR is 16%. A prepayment penalty of $500 or 2% of the credit limit will apply if the line is closed within 24 months of agreement. Monthly payments of interest only (minimum periodic payment) will result in a balloon payment due at maturity. If paying the minimum periodic payment only, the loan will not be fully amortizing over the loan term and you are required to pay the remaining balance at maturity. Rates may vary and are subject to change after the initial APR. Rates are indexed to the Wall Street Journal Prime rate. Subject to credit underwriting and approval. Fees and restrictions may apply. **Please check with your tax adviser.