Current Home Equity Line of Credit
Home Equity Line of Credit
If you own your home and want the convenience of accessing extra funds without applying for a new loan each time, the JBT Home Equity Line of Credit (HELOC) is your answer. With a HELOC, you can borrow up to 80% of the value of your primary residence to make home improvements, finance a vacation, manage unplanned expenses, cover medical bills, or consolidate high-interest bills.
The best thing about JBT’s HELOC is the flexibility it provides. While having a line of credit allows you to borrow funds only when you need it, it typically is a variable rate. With a JBT HELOC, you have the ability to convert portions of your balance into a fixed rate and fixed term. Best of all, as you make principal payments on the converted portion of any term loan, those amounts become available again on your line. Features include:
- 35-year term with a 15-year draw period.
- Payments during the draw period are interest only.
- Portions of the HELOC may be converted for periods of 1 to 20 years. These payment are principal and interest. A conversion fee may apply.
- Flexibility in accessing funds - check, online banking, phone or at any JBT office.
- Interest may be tax deductible – be sure to ask your tax advisor.
- As you pay off the balance, funds are available to use again and again without having to apply for new loans each time.
- Apply now at the JBT Digital Lending Center!
Our goal is to provide the highest level of service at competitive rates. You can apply online or connect with a JBT Loan Officer:
This product is a variable rate, open-end loan secured by your primary residence.
1Subject to credit approval. This product is a variable rate, open-end loan secured by your primary residence. 80% maximum loan to value. This product has a 35-year term with a 15-year draw period. 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 (APRs) listed are accurate as of 03/27/26. • 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 2.50% 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% (6.75% APR accurate as of 03/27/26). 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 2.50% 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% (7.00% APR accurate as of 03/27/26). 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 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.
2Subject to credit approval. This product is a fixed rate for 15 years from the date of the initial advance and then a variable Annual Percentage Rate on any additional funds drawn after the initial advance, open-end loan secured by your primary residence. Lock on initial advance required at time of loan closing. 80% maximum loan to value. This product has a 35-year term with a 15-year draw period. 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) listed are accurate as of 03/27/26. • 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 additional funds drawn after the initial advance, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of 0% (6.75% APR accurate as of 03/27/26). 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: For additional funds drawn after the initial advance, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of .25% (7.00% APR accurate as of 03/27/26). 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 to receive this product’s terms and rates. Without automatic debit payments, the 5.75% Annual Percentage Rate on the initial advance and the Annual Percentage Rate after the initial advance 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.