Home Equity Line of Credit (HELOC)

Finance Your Dreams with the Flexibility of a HELOC

Our Home Equity Line of Credit offers you the flexibility to borrow against the equity in your home, giving you access to funds when you need them. With competitive rates and easy access, you can finance your home improvements, consolidate debt, or cover unexpected expenses with ease.

Flexible Access to Funds
Access funds as needed within your approved credit limit, subject to minimum and maximum loan amount requirements.

Competitive Interest Rates
Save more with our competitive variable rates.

Interest-Only Payments
Easily manage your budget with interest-only payments available throughout the full term of your HELOC.

No Prepayment Penalties
Pay off your HELOC at any time without extra fees.

Loan Details

Loan Feature	Details
Introductory Rate (First Six Months)	4.99% APR**
Post-Introductory Rate	7.50% APR*
Fees and Costs	• Estimated closing costs: $1,194.90 to $4,098.28 • Documentation fees: $150 to $425 (one-time) • No annual fee
HELOC Term	• 120 months (1st lien position, single-family owner-occupied residence) • 120 months (2nd lien position, line of credit < $250,000) • 60 months (2nd lien position, line of credit $250,000 to $1,000,000)
Payment Options	Interest only or 2% of outstanding balance, with a balloon payment equal to the outstanding principal balance at maturity and any unpaid interest
Minimum Line of Credit Amount	$25,000

*APR = Annual Percentage Rate. Rates subject to change without notice.

**Introductory rate for the first six months with an Annual Percentage Rate (APR) of 4.99% then variable rate with the APR equal to NY Prime Rate at that time adjusting daily with a minimum APR of 5.00% and maximum APR of 18.00%. Current APR as of 1/1/25. Offer valid until 12/31/25. Term of HELOC will be 120 months if secured by a 1st lien position on a single-family owner-occupied residence or a 2nd lien position where the line of credit amount is under $250,000. Term of HELOC will be 60 months if secured by 2nd lien position on a single-family owner-occupied residence and the line of credit amount is between $250,000 to $1,000,000. Interest only or 2% of outstanding balance payment options available. With either of these options, a balloon payment equal to the outstanding principal balance at maturity and any unpaid interest will result. Minimum line of credit amount is $25,000. No annual fee. One time documentation fees of $150 to $425 may be charged. Estimated closing costs of $1,194.90 to $4,098.28. Adequate property insurance on all real estate collateral is required. Consult your tax advisor regarding interest deductibility. All loans subject to credit approval. When refinancing an existing Community Bank HELOC, new HELOC requests are not eligible for introductory rate discount if refinanced within the first five years. Limited time offer. See Bank for full details.Bank for full details.

Apply for a HELOC Today

Find Nearest Location

Gather Your Documents
- Prepare necessary documents such as:
  - Proof of income (e.g., recent pay stubs or tax returns)
  - Personal identification (e.g., driver’s license or passport)
Apply at Your Local Community Bank Office
- Submit your application at your nearest Community Bank office.
Get Approved and Access Funds
- Once your HELOC is approved and the rescission period (if required) has passed, you’ll be able to start accessing your funds.