Online Banking

HELOC Special Offer

  • 2.99% APR1. Fixed rate for 3 months.
  • 4.00% APR1. Variable rate after 3 months.
  • 10 year draw period2.

Use your home's equity for:

  • Home improvement
  • College tuition
  • Dream vacation
  • Debt consolidation

Home Equity Line of Credit

Once you’re approved, you can easily access funds up to your pre-approved credit limit. This gives you maximum flexibility to borrow money quickly when you need it.

Loan Features

  • 10-year draw period followed by a 15-year repayment period.
  • Access funds via online transfer, check or in-person.
  • Principal plus interest payments during the draw period.
  • Borrow up to 90% of the equity in your home.
  • Available for 1-4 family owner-occupied primary or vacation homes.

Visit our Mortgage Home today or call 1-877-879-3622 to make an appointment.

Rates Start Here

All loans subject to credit approval.


1Initial Annual Percentage Rate (APR) will be 2.99% fixed for the first 3 months and will adjust to a variable rate thereafter. The variable rate will be equal to the Wall Street Journal National Prime Rate (currently 3.25% as of 5/18/2020 and subject to change monthly), minus a margin of 0.25% with a floor rate of 3.50% in effect. Advertised APR is available to borrowers meeting specific underwriting criteria including a minimum credit score of 720 and a minimum line of credit of $10,000.00 in new money. Additional rates are available and range from the Wall Street Journal National Prime Rate minus a margin of 0.25% to the Wall Street Journal National Prime Rate plus a margin of 0.50%. The minimum APR ranges from 3.50% to 4.00% and the maximum APR is 18.00%. APRs include only interest and no other costs. Available on 1-4 family owner occupied primary residence and vacation homes. Line amount may not exceed 90% of the value of the property. Property insurance is required; flood insurance may be required if applicable. Title insurance may be required for lines greater than $100,000.00. Third party fees to open a line of credit range from $850-$1285 depending on property location. There is an annual recurring fee of $50.00 (due each year during draw period).

2Loans feature a 10-year draw period followed by a 15-year repayment period. All loans are subject to credit approval. Additional rates and terms are available. Loan terms are accurate as of 5/138/20 and are subject to change without notice. Consult a tax advisor regarding the deductibility of interest. NMLS #410367. Member FDIC. Equal Housing Lender.

The lobby at our Honesdale Office is now open with mask and social distancing policies in place. We look forward to opening lobbies at additional locations soon following state guidelines. All locations are open for Drive-Thru and by-appointment banking. LEARN MORE


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