Personal

Home Equity Line of Credit

We know how much your home matters to you. With premium rates and no application fees or closing costs*, a Home Equity Line of Credit (HELOC) is a smart way to tap into the value of your home. Rates and terms for primary residences, second homes and seasonal properties. Special Rate – 3.99% APR** – Through June 30th, 2019.

Current Prime Rate is 5.50% as of March 29, 2019. Beginning April 1, 2020, the Annual Percentage Rate (APR) will be Prime plus 0% and may vary monthly.

3.99% APR**
No application fee
No closing costs*
Up to 85% loan to value (LTV)

Sometimes the loan process can feel like a lot. We get it. And we’re here to help! Our lenders can walk through all of the options with you.

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LET'S GET STARTED

Complete this form and a member of our lending team will contact you. Prefer the phone? Give us a call at (207) 839-4796

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Home Equity Line of Credit Terms and Conditions

*No closing costs, but property and hazard insurance required, plus flood insurance if applicable. Excludes expenses for unusual or extraordinary property appraisals or title issues, generally totaling between $0.00 and $375.00.
**Home Equity Line of Credit Special - the rate with a GSB Retail Checking Account is 3.99% APR; otherwise, the APR is Prime plus 0% (Current Prime Rate is 5.50% as of March 29, 2019). To obtain the Home Equity Line of Credit Special rate, you must submit your application by June 30, 2019. Beginning April 1, 2020, the Annual Percentage Rate (APR) will be Prime plus 0% and may vary monthly. Maximum APR is 18.00%. Minimum credit line $10,000. Penalty for early termination. Owner occupied properties only. Other restrictions may apply. Offer of credit is subject to approval. Rates are subject to change without notice.