Personal Banking

Home Equity Line of Credit

Your Legacy Bank line of credit can be used for home improvements, get-away vacations, college tuition and more. Our 3-year fixed rate offers:

  • Fast, personalized service
  • No pre-approval fee
  • No origination fee
  • No annual fee
  • No fee for early payoff
  • Borrow up to 90% of your home equity
  • *2% or 1% of outstanding balance or interest only payments – (A balloon payment may result.)
  • Access your funds by check
  • Interest may be tax deductible**

*Rates are based on a 36- month term fixed at 5.95% APR through the life of the credit line. Minimum payments are the higher of either 2% or 1% of the outstanding balance, or $100 – interest only payments are also available. A balloon payment may be required at the end of the loan term.

Fees for appraisal, title policy, flood insurance determination and registration may be required to qualify for the loan. These third-party fees generally total between $17 and $625.

Insurance will be required on the property securing the loan.

**Consult a tax advisor regarding deductibility of interest.

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