Personal Lending Rates

Home Equity Loan Rates

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

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

Five-Year Fixed Rate As low as 2.69% APR $534.96/Month for $30,000
Ten-Year Fixed Rate As low as 2.69% APR $285.45/Month for $30,000
Fifteen-Year Fixed Rate As low as 3.55% APR $215.24/Month for $30,000
Twenty-Year Fixed Rate As low as 3.99% APR $181.68/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. At loan closing we will waive the third-party fees 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 12/01/21 and require automatic payments from a JBT checking or savings account. Add 0.25% for coupon book. •  Promotional rates and terms described in this offer are only valid for Tier 1 credit score (720+) as determined by selecting the middle credit score of TransUnion FICO Classic (04), Equifax FICO Classic V5 Facta, and Experian Fair Isaac Version 2 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 lesser of  the two middle scores. Rate and term examples: The monthly payment on a 2.69% APR five-year loan of $30,000 is $534.96. The monthly payment on a 2.69% APR ten-year loan of $30,000 is $285.45. The monthly payment on a 3.55% APR fifteen-year loan of $30,000 is $215.24. The monthly payment on a 3.99% APR twenty-year loan of $30,000 is $181.68.  Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. Your APR and payment will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time. Other rates and terms available for loans that do not qualify for this offer (including loans that do not include $30,000 in new money or loans with credit scores < 720).  Fees 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 visit our Online Loan Center for details.

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 rates available for lower credit scores.

Five-Year Fixed Rate As low as 2.96% APR $269.28/Month for $15,000
Ten-Year Fixed Rate As low as 3.49% APR $148.27/Month for $15,000
Fifteen-Year Fixed Rate As low as 3.90% APR $110.22/Month for $15,000
Twenty-Year Fixed Rate As low as 4.36% APR $93.79/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. At loan closing we will waive the third-party fees 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 12/01/21 and require automatic payments from a JBT checking or savings account. Add 0.25% for coupon book. •  Promotional rates and terms described in this offer are only valid for Tier 1 credit score (720+) as determined by selecting the middle credit score of TransUnion FICO Classic (04), Equifax FICO Classic V5 Facta, and Experian Fair Isaac Version 2 obtained by JBT at time of loan application and requires $15,000 in new money.  For joint applications, the Tier is determined by selecting the lesser of  the two middle scores. Rate and term examples: The monthly payment on a 2.96% APR five-year loan of $15,000 is $269.28. The monthly payment on a 3.49% APR ten-year loan of $15,000 is $148.27. The monthly payment on a 3.90% APR fifteen-year loan of $15,000 is $110.22. The monthly payment on a 4.36% APR twenty-year loan of $15,000 is $93.79.  Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. Your APR and payment will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time. Other rates and terms available for loans that do not qualify for this offer (including loans that do not include $15,000 in new money or loans with credit scores < 720).  Fees 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 visit our Online Loan Center for details.

Ways to Contact JBT

Find a Branch Phone eService