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473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Home Equity Solutions

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Save money with a tax-advantaged home equity loan*

Use the equity in your home to make purchases from home improvements to a new car or even pay for college tuition. You may even want to consolidate debt from higher rate loans.

  • No closing costs, points, application or annual fees**
  • Peace-of-mind with a fixed interest rate and monthly payments
  • Borrow up to 80% of the equity in your home
  • Loan decision within one-two business days

We’ll help you find the perfect solution

Let’s us help you chose a financing option that will meet your borrowing needs and stay within your monthly budget.

- What are your borrowing options? 
How much can you afford to borrow? 
What will your monthly payments be? 

A smart way to borrow

At ATC we offer both fixed rate 
home equity loans and a variable rate home equity line of credit. A home equity line of credit allows you to borrow against the equity in your home for any purpose at any time, simply by writing a check. Plus you pay interest only on the amount you borrow. Depending on your need one of these solutions may be just right for you.


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The Annual Percentage Rate (APR) is accurate as of 04/01/17 and is subject to change without notice. An example of a $10,000 loan at 3.50% APR with a five-year term would have 60 monthly payments of $181.92. An example of a $10,000 loan at 4.50% APR with a 10-year term would have 120 monthly payments of $103.64. An example of a $10,000 loan at 5.50% APR with a 15-year term would have 180 monthly payments of $81.71. Loan to value ratio cannot exceed 80%. Minimum loan amount is $7,500. Property insurance and flood insurance if applicable is required. *See your tax advisor for details on the deductibility of interest.**If you cancel the loan within 3 years, you must reimburse the bank for all third-party fees paid by us to open the loan. Generally these fees range between $445 to $1,165 based on loans between $7,500 and $100,000.  1-to-4 family owner occupied properties and 1 family second homes only. We reserve the right at any time and without prior notice to change rates, fees and any other features of the home equity loan offer. Home equity loans are only applicable as 2nd liens only (cannot be in the first lien position).  Other terms and conditions may apply. Offer subject to credit and collateral approval. © 2017 The Adirondack Trust Company.  Member FDIC. Equal Housing Lender.