HELOC Splash Page 9.16

We want you to be a part of our celebration.

Use a Home Equity Line of Credit to renovate the house, buy a boat, throw a dream wedding or pay tuition.

It’s our birthday. Do something worth celebrating.


Contact a Banker Text



Alexandria, KY


Burlington, KY


Butler, KY


Cold Spring, KY


Crescent Springs, KY


Dry Ridge, KY


Erlanger, KY


Falmouth, KY


Florence, KY


Fort Wright, KY


Hebron, KY


Independence, KY


Latonia, KY


Mason, OH


Montgomery, OH


Newport, KY


Union, KY


Walton Towne Center, KY


Williamstown, KY





*All loans are subject to credit review and approval. Introductory, promotional rate offer is available on applications for new Home Equity Lines of Credit (HELOCs) and refinances of existing HELOCs submitted by 12/31/2020. Annual Percentage Rates (APRs) are accurate as of 9/16/2020 and may change at any time. A 3.00% Introductory APR applies for 12 months from opening. The introductory APR is discounted and is not based on the Index and margin used for later rate adjustments. After the introductory period ends, the outstanding HELOC balance will automatically convert to the then current post-promotional variable APR per the terms of the account agreement, which, subject to the Floor Rate, will be either Prime Rate + 0.00% (currently 3.25% APR) or Prime Rate + 0.50% (currently 3.75% APR), depending upon the loan-to-value ratio (LTV). The post-promotional Annual Percentage Rate (APR) is variable and is based upon an index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal, currently 3.25%. The rate may increase or decrease monthly, but it will never exceed 21% APR and never fall below 3.50% APR (“Floor Rate”). Monthly payments are interest only payments. Making only the minimum payment each month will not reduce principal, and a balloon payment in the amount of the principal loan balance plus any outstanding fees or unpaid interest will result and be due immediately at the end of the 10-year loan term. A prepayment penalty of $399 will apply on lines of $20,000 or more if the HELOC is closed within the first three years. An annual fee of $50 will apply but is waived for the first year. An appraisal fee may apply if a full appraisal is required. Property insurance is required on the property securing the loan, and flood insurance is required where necessary. Owner occupied, single-family residences only. Minimum line amount on a HELOC is $5,000. Consult your tax advisor regarding the deductibility of interest.


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