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Home Equity Loan

This is an excellent borrowing solution if you have a specific need in mind. Our fixed-rate loan is determined by the equity you have in your home. The loan is distributed in one lump sum and can be repaid through a variety of loan terms.

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  • Easy budgeting with fixed monthly payments
  • Convenient and flexible terms
  • On-time, scheduled payments via WebWise® Online Banking


*Approval of a home-equity line requires that you meet our credit criteria, income ratios and loan-to-value guidelines. Minimum approved credit line and loan is $7,500. Closing costs are waived for Home Equity Line of Credit and loans up to $250,000 and are estimated to range between $565–$3,190. If line of credit or loan is closed within three (3) years, the customer will reimburse the Bank for all third-party fees paid by the Bank, including mortgage-recording tax. Additional terms and conditions may apply. The property must be owner-occupied or a second home. Property insurance required. Offer may be withdrawn at any time without notice.

Mortgage is subject to credit and property approval.


Click here to see our current home equity rates. >
To learn more, please call our Residential Lending Department at (518) 584-5844 or email us.

Helpful Calculators

Here are some useful calculators: