Home Equity Line of Credit Rates

Borrow $30,000 or more with a good credit history and take advantage of our best home equity line of credit rates.

Promotional rates for Tier 1 and Tier 2 credit score.

6-Month Introductory Fixed Rate As low as 4.99% APR (Tier 1)
6-Month Introductory Fixed Rate As low as 5.24% APR (Tier 2)
Variable Rate/Current APR As low as 8.50% APR

Subject to credit approval. This product is a variable rate, open-end loan secured by your primary residence. 80% maximum loan to value. Cannot be used for home purchase. Property insurance is required. An appraisal and flood insurance may be required. Maximum loan amount $500,000. Line closing will include any third-party fees for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certifications, and recording. Annual Percentage Rates (APR’s) listed are accurate as of 07/02/24. • Promotional rates and terms described in this offer are only valid for Tier 1 credit score (740 and above) and Tier 2 credit score (700 – 739) as determined by TransUnion FICO Classic (09) credit score obtained by JBT at time of loan application and requires $30,000 in new money.  For joint applications, the Tier is determined by selecting the higher of the TransUnion FICO Classic (09) credit scores. Rate and term example Tier 1: Initial introductory Annual Percentage Rate (APR) of 4.99% is fixed for six months.  After 6-month introductory period, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of 0% (8.50% APR accurate as of 07/02/24). Your initial introductory APR and your APR thereafter will be determined based on your credit qualifications. APR may vary. Maximum APR is 18.00%.  Rate and term example Tier 2: Initial introductory Annual Percentage Rate (APR) of 5.24% is fixed for six months.  After 6-month introductory period, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of .25% (8.75% APR accurate as of 07/02/24). Your initial introductory APR and your APR thereafter will be determined based on your credit qualifications. APR may vary. Maximum APR is 18.00%.  Automatic debit payments are required for to receive this product’s terms and rates. Without automatic debit payments, the introductory Annual Percentage Rate and the Annual Percentage Rate after the 6-month introductory period is .50% higher. Rates and terms may be changed or withdrawn at any time. Other rates and terms available for lines that do not qualify for this offer (including lines that do not include $30,000 in new money or lines with credit scores < 700). Loan fees ranging from $420 to $800 will apply. For more information about current rates, applicable fees, and available terms, or for non-owner occupied real estate loans, contact JBT’s Client Resource Center at 717-274-5180 (Option 1) or apply for a Personal Loan by clicking here.
 
Fixed term option: You may lock in all or a portion of your home equity line up to 10 times (maximum 3 concurrent locks) over the life of the line. Terms available from 1 year to 20 years maximum. Minimum $5,000 to lock in. There is a $125 conversion fee each time you establish a lock-in rate.