Your years of timely mortgage payments are about to pay off. Get competitive-rate financing using your home’s equity as collateral.

  • 3.25% APR* fixed rate for the first year
  • 2% cap per year (ceiling cap of 11.9%)
  • Use for several short-term or one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And much more!
  • The existing equity in your home is used as collateral backing
  • 15-year repayment term
  • The interest paid might be tax deductible**
  • Local decision-making and processing in Northeast Alabama
  • Detailed, friendly service from start to finish
  • Competitive rates for several ongoing or seasonal needs
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Revolving credit – as principal is repaid, more becomes available for use without having to reapply
  • Funds easily available via check or debit card
  • The interest paid might be tax deductible**
  • Set up automatic payments to be deducted from your account monthly
  • Local decision-making and processing in Northeast Alabama
  • Detailed, friendly service from start to finish

*APR=Annual Percentage Rate

**Consult a tax advisor.