Special Introductory Rate of 5.49% APR for 6 months.
Variable rate thereafter. See full disclosure for details.

A Home Equity Line of Credit (HELOC) offers homeowners a flexible and convenient way to access the equity in their homes for a variety of financial needs. With a HELOC you can borrow funds as needed, often at a lower interest rate compared to other types of loans or credit cards. 

HELOCs are an ideal solution for large expenses like home renovations, debt consolidation, or education costs. Additionally, the interest you pay on a HELOC may be tax-deductible, providing further financial benefits. Overall, a HELOC can offer both financial flexibility and potential savings. Please consult your tax advisor for details.

*Introductory 5.49% Annual Percentage Rate (APR) for 6 months. Variable-rate thereafter based on The Wall Street Journal Prime Rate plus or minus margins indicated: APR will convert to a variable rate of Prime -.25% for lines of $50,000.00 or more; Prime +.25% for lines of $25,000.00 to $49,999.99; and Prime +.75% for lines $15,000.000 to $24,999.99. As of March 10, 2025, Prime was 7.50%. Offer valid for Home Equity Lines of Credit of $15,000.00 and over. The line is subject to a minimum Floor Rate of 3.50%. Maximum APR is 16.0%. Limited-time offer subject to normal application and credit approval. All rates and terms are subject to change without notice. Other terms and rates are available upon request. Offer requires an active LNB checking account with direct deposit of your full paycheck, pension or government benefits. Property insurance is required. Flood insurance may be required. Consult your tax advisor regarding tax deductibility of interest. Rates do not apply to the refinance of existing LNB debt.