Put Your Home Equity to Work!

A home equity line of credit can be an easy, affordable way to finance home improvement projects.
Plus, no closing costs on loans up to $250,000!


Lines of Credit from $75,000 – $250,000
2.99% APR* For the First 12 Months
3.75% APR* Prime Rate + 0.50% Thereafter


Repayment example for a $100,000 Home Equity Line of Credit:

Outstanding Balance Monthly Payments Annual Percentage Rate (APR)* Promotional Term
$100,000 $296.00 2.99% APR 12 Months
$100,000 $227.00 3.75% (Prime + 0.50%) 10 Year Draw Period

Click here to Apply Online!

Lines of Credit from $250,001 +
2.25% APR* For the First 12 Months
3.49% APR* Prime Rate + 0.24% Thereafter


Repayment example for a $250,001 Home Equity Line of Credit:

Outstanding Balance Monthly Payments Annual Percentage Rate (APR)* Promotional Term
$250,001 $587.00 2.25% APR 12 Months
$250,001 $843.00 3.49% (Prime + 0.24%) 10 Year Draw Period

Click here to Apply Online!


*Annual Percentage Rate (APR) accurate as of 5/31/21 and subject to change without notice. Available for owner occupied, 1-4 family properties, 75% maximum loan-to-value. Mechanics to pay borrower’s fees and closing costs for loans up to $250,000. Loans greater than $250,000, borrower to pay all fees and closing costs. Loans from $25,000 to $75,000, 3.49% APR fixed for 12 months then Prime Rate plus 0.75% thereafter. Loans from $75,000 to $250,000, 2.99% APR fixed for 12 months then Prime + 0.50% thereafter. Loans over $250,000, 2.25% APR fixed for 12 months then Prime + 0.24% thereafter. Rates include 0.25% discount for auto pay from Mechanics checking account. This is a variable rate product that may increase after consummation of the loan. Rates are based on the Wall Street Journal Prime Rate, currently 3.25%. Monthly payments during the draw period based on interest due plus .05% of outstanding balance. During repayment period you will pay an amount of principal and interest sufficient to repay the loan over 10 years. 10 years draw period followed by a 10 year amortized repayment period. $25 annual fee. $795 termination fee if closed prior to year four. 2.25% min APR, 18% max APR. New Lines of Credit only. Subject to credit approval. Other restrictions may apply. Member FDIC. Member DIF. Equal Housing Lender. NMLS #421820.


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