Personal Banking

Current Rates

as of 05/16/12:
Deposit Rates

as of 05/16/12:
Residential Lending Rates

Home Equity

Applications

Each package contains instructions and an application which features "field fillable" boxes (type into). Once completed, please print out, sign, and deliver (or mail) to any of our locations.

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Home Equity Loan:

VT Residents
NH Residents

Home Equity Line of Credit:

VT Residents
NH Residents

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Application packages are in PDF format, if you need the free Adobe PDF Reader, click here

Home Equity Loans

Home Equity Loans are a way to borrow money using the equity you've built up in your home as collateral. You may need a lump sum of cash for things like home improvements, your children's education or to purchase a vehicle. You can finance a purchase like this using a Home Equity Loan.

Repayment—
These loans have regular monthly payments which consist of principal and interest, and which amortize over a pre-determined period of time.

Home Equity Lines of Credit (HELOC)

Home Equity Lines of Credit give you the flexibility to tap into your equity if and when you need the money. It's a credit line that you access by writing a check against your available credit balance. These loans are a great way to be prepared for unexpected expenses like major household repairs.

Repayment—
Each month you are required to pay a portion of the principal plus accrued interest. After a pre-determined period of time the outstanding balance will come due, at which point you must pay off the entire amount borrowed or refinance.