Home Equity/Home Equity Line of Credit


You have put a lot of time and money into making your house a home, and now it’s time your home gives something back. The equity your home has earned allows you to take out a loan for many of the things you need. Whether you’d like additional funds to make improvements to your house or take a family vacation, we can provide you with the home equity loan you deserve.
Not to mention, purchases made to improve your home may be tax deductible!*
*Consult a tax advisor regarding deductibility of interest

Home Equity Loan
Use up to 80% of the equity in your home to finance this type of loan. Use the money for anything you need, such as home improvements, a new vehicle, educational costs or a well- deserved vacation.

  • Fixed term up to 5 years
  • The minimum loan amount is $5000
  • Fixed payment amount
  • Costs may apply
  • Current APR (Annual Percentage Rate) is 3.00%,  FIXED
  • Monthly payment of $10,000 borrowed for a 10 year term with an APR of 3.00% is $179.70

  • Fixed term up to 10 years
  • The minimum loan amount is $5000
  • Fixed payment amount
  • Costs may apply
  • Current APR (Annual Percentage Rate) is 3.50%, FIXED
  • Monthly payment of $10,000 borrowed for a 10 year term with an APR of 3.50% is $98.90.

  • Fixed term up to 15 years
  • The minimum loan amount is $5000
  • Fixed payment amount
  • Cost may apply
  • Current APR (Annual Percentage Rate) is 4.00%, Fixed
  • Monthly payment of $10,000 borrowed for a 15 year term with APR of 04.00% is $73.98.


Home Equity Line of Credit Loan


  • Borrow as much as 80% loan-to-value of your home
  • 15 year draw
  • Rate is adjusted January 1 and July 1
  • Minimum monthly payment of 1.25% or $100.00, which ever is greater
  • Costs may apply
  • Minimum loan amount is $5000.00 
  • Current annual percentage rate (APR) is 4.00%. Fixed
  • Maximum Rate and Payment Examples: If you had and outstanding balance of $10,000,  the minimum payment at the maximum annual percentage rate of 15% would be $125.00.
 
SEE RATES



Richland Office & Administrative Offices
532 Oakridge Drive
Johnstown, PA 15904
Moxham Office
522 Central Avenue
Johnstown, PA 15902
Somerset Office
PO Box 70
180 Beacon Street
Somerset, PA 15501
Ebensburg Office
169 Mini Mall Road
Suite 110
Ebensburg, PA 15931