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Home Equity
Home Equity Line of Credit

Home equity loans are a great way to finance college tuition, auto or boat purchases, home improvement, or an exotic vacation. 

          AS LOW AS 3.75% APR*
            Adjust to Wall Street Journal
                     Prime less 1.25%

Features:

  • Interest is usually tax deductible—consult your tax advisor
  • Low interest rates
  • Great Rate and  no annual fees
  • Available even if primary mortgage is at another bank

        Uniform Residential Loan Application

*Limited time offer.  The APR can adjust from 1.25% below to 1.5% above The Wall Street Journal's published Prime Rate ("Prime") based on credit score, loan-to-value, and loan amount (3.75% - 6.50%).  There is no annual fee.  Offer is subject to normal credit approval and applies to owner occupied property only.  You should consult your tax advisor to determine whether or not the interest that you pay on a line of credit would be tax deductible.

 

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First Trust and Savings Bank
Albany - Erie - Hillsdale