At The Hometown Savings Bank you can turn your home's equity into cash! It is an easy way to buy a car, make home improvements, even take a vacation. It's your equity so use it!
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We will be charging a $250.00 processing fee starting November 1, 2024.
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Annual Percentage Rate (APR) is variable and based upon an index plus a margin. APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of October 2025, the variable rate for Home Equity Lines of Credit ranged from 7.00% - 9.00% APR.” Rates may vary due to a change in the Prime Rate and a loan-to-value (LTV) above 80%. Rate will never exceed 21% APR or below 2.50% APR. Loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Credit line may be reduced, or additional extensions of credit limited if certain circumstances occur. Property insurance is required. Other restrictions may apply. For details about credit costs and terms, call 1-888-245-1929.
