As one of the area’s leading home equity and mortgage lenders, we’ll go above and beyond to make it easy for you to tap into your home’s equity with our variable-rate line of credit (HELOC) or our fixed-rate and term home equity loan.
Use your home’s equity for all of life’s needs:
Expand, remodel or enhance your home
Cover unexpected expenses that exceed your emergency fund
Consolidate higher interest debt at a lower interest rate
Buy a new or used car
Finance your child’s education
Help build your own business
Plus, our line and loans feature these great benefits:
No closing costs, points, or application fees – saving you thousands of dollars**
Save money on interest expense
Affordable monthly payments
Interest-only payment option during the draw period (line of credit only)
Access your home’s equity simply by writing a check any time (line of credit only)
Local loan servicing – by our expert staff
Quick loan decision – get an answer in as little as 3 business days
We’re Your Lender and Neighbor
We make all our loan decisions right here, we’re fast and knowledgeable in all types of loans from home equity to mortgages. It’s another example of how we go above and beyond to give our customers the best possible service every day.
We have convenient locations throughout the area, simply stop by any ATC branch or call (518) 584-5844 to set up an appointment or apply online, it only takes 15 minutes.
* NEW HOME EQUITY CUSTOMERS ONLY: The Home Equity Line and Loan is for an 80% Loan to Value. The initial rate of a Home Equity Line of Credit is 3.25% APR for 12 months and is accurate as of 2/25/19. Thereafter, a variable rate with the Annual Percentage Rate (APR) calculated by adding 0% to the highest Prime Rate published by the Wall Street Journal, currently 5.50% APR.
This limited-time offer is available on loans of $7,500 or more, but less than $250,000 and is subject to change without notice. The maximum amount of the Home Equity Line/Loan based on the value of your property is determined by multiplying 80% of the appraised value of the property minus any outstanding mortgage loan amounts. Property insurance is required, which includes, if required, flood insurance. The Home Equity Line of Credit rate cap is 24.99% and the rate floor is 5.50%. Rates may change or not be available at commitment or closing. Other terms and conditions may apply. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with the Agreement.
** All closing costs are waived on the condition that the Home Equity Line/Loan remains open for three years. (If the Bank attorneys require Title Insurance, you will pay the cost.) Should the Home Equity Line/Loan close prior to three years, all closing costs previously waived would be collected, estimated to range between $565 – $3,190 for Home Equity Lines of Credit up to $250,000.