Personal Lending Rates

Home Equity Loan Rates

Borrow $30,000 or more with a great credit history and get our best home equity rates plus no fees*

These special promotional rates and terms avaliable with Tier 1 Credit Scores only. 

Three-Year Fixed Rate As low as 2.99% APR $872.42/Month for $30,000
Five-Year Fixed Rate As low as 3.79% APR $549.76/Month for $30,000
Ten-Year Fixed Rate As low as 3.99% APR $303.67/Month for $30,000

*This product is a fixed rate, closed-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. Title insurance required on loans $250,000 or greater. Maximum loan amount $300,000. At loan closing we will waive the third-party charges for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certification, and recording.  Annual Percentage Rates (APR’s) listed are accurate as of 09/03/19 and require $30,000 in new money and automatic payments from a JBT checking or savings account. Add 1/4 % for coupon book. 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 or visit our Online Loan Center for details. •  These promotional rates and terms including waiving of fees are only valid for Tier 1 credit score (720+) as determined by TransUnion FICO Classic (04) credit score obtained by JBT at time of loan application, and requires $30,000 in new money. Other rates available for loans that will satisfy existing JBT loans or credit scores < 720. Examples: The monthly payment on a 2.99% APR three year loan of $30,000 is $872.42. The monthly payment on a 3.79% APR five year loan is $549.76. The monthly payment on a 3.99% APR ten year loan is $303.67. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. These are examples of Annual Percentages Rates (APR’s) and payments. Your APR and payment will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time.

Additional Rate

Borrow $15,000 or more with a good credit history and take advantage of these great home equity rates!

Promotional rates shown are for Tier 1 Credit Scores. Other promotional rates available for lower credit scores.

Five-Year Fixed Rate As low as 4.00% APR $280.39/Month for $15,000
Ten-Year Fixed Rate As low as 4.85% APR $160.39/Month for $15,000
Fifteen-Year Fixed Rate As low as 5.00% APR $120.42/Month for $15,000
Twenty-Year Fixed Rate As low as 5.50% APR $104.76/Month for $15,000

This product is a fixed rate, closed-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. Title insurance required on loans $250,000 or greater. Maximum loan amount $300,000. Annual Percentage Rates (APR’s) listed are accurate as of 09/03/19 and require $15,000 in new money and automatic payments from a JBT checking or savings account. Add 1/4 % for coupon book. 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 visit our Online Loan Center for details. • These promotional rates only valid for Tier 1 credit score (720+) as determined by TransUnion FICO Classic (04) credit score obtained by JBT at time of loan application, and requires $15,000 in new money. Other rates available for loans that will satisfy existing JBT loans or credit scores < 720. Examples: The monthly payment on a 4.00% APR five year loan of $15,000 is $280.39. The monthly payment on a 4.85% APR ten year loan of $15,000 is $160.39. The monthly payment on a 5.00% APR fifteen year loan of $15,000 is $120.42. The monthly payment on a 5.50% APR twenty year loan of $15,000 is $104.76. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. These are examples of Annual Percentages Rates (APR’s) and payments. Your APR and payment will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time.