Home Equity Lines & Loans
It's Time for a Change - And You Can Do it With a Home Equity Line of Credit*
Now is the perfect time to put the equity in your home to work for you. With rates going down,
State Bank’s Home Equity Line of Credit is perfect for making much needed home improvements,
changing the look of your kitchen or bathroom, getting rid of high-interest credit card debt, paying
for tuition, or just about anything you want!
Home Equity Loan
Whether it’s renovations, maintenance, landscaping, or debt consolidation, a fixed-rate Home Equity Loan gives you the funds you need with payments you can plan for.
- 6.99% RATE
- 7.216% APR**
Questions?
Questions? Click Here*APR = Annual Percentage Rate. Home Equity Line of Credit Disclosure: Annual Percentage Rate. State Bank will pay flood certification, drive-by appraisal, title search, and document recording fees. Hazard and, if applicable, flood insurance is required and the responsibility of the borrower. The introductory fixed rate will apply only during the first three (3) billing cycles after your State Bank HELOC is opened; beginning the 4th month after the HELOC is opened, the APR will convert to the applicable variable APR plus zero or a margin up to 1.50% depending on your credit score and the home equity product you choose. The variable APR may change monthly based on the latest U.S. Prime Rate as published in The Wall Street Journal as of the first business day of the month. The APR will never exceed 21%. As of 12/18/24, the U.S. Prime Rate is 7.50%. There is a $50 annual fee, which is waived the first year. Credit is subject to approval. This offer is available for new lines of credit only and is subject to change. See a loan officer for full details. NMLS #504503
** APR=Annual Percentage Rate. All Loans are subject to credit approval. Rates will be subject to customer’s credit score. Loan amount minimum is $10,000. Rates, terms, and conditions subject to change. No early closure fee. Second mortgage only. Customer will be responsible for all closing costs of approximately $950 – $1,200 (includes appraisal, flood certification, title search, credit report, tax servicing, and recording fees). See your State Bank loan officer for full details. Certain restrictions apply. NMLS #504503
