Home Equity Loans and Lines

Take Advantage of the Hidden Equity in your Home
Use the equity in your home to make improvements, pay down high-interest debt, buy a car, plan a vacation – whatever you need.

Borrow up to 80% of your home's appraised value by choosing from two great options:

• Home Equity Line of Credit that lets you borrow, repay and re-borrow again
• Fixed rate, fixed payment Home Equity Loan for a specific term

For additional information, please contact your local branch office or call 888-868-3858.

Visit Home Financing Center*

*Our mortgage loan applications are collected by Finastra, a trusted business partner.
By proceeding, you will be directed to Finastra’s mortgage web center.

*Our mortgage loan applications are collected by Finastra, a trusted business partner. By proceeding, you will be directed to Finastra’s mortgage web center.

(1) Peoples Security Select LOC™ is an interest only or principal & interest monthly, variable rate home equity line of credit which allows up to three fixed rate and payment balance conversion options at any one time during the draw period. Available to borrowers with a 1-4 family owner-occupied primary residence who may borrow up to 80% of their home’s value. This excludes the financing of bank-owned (credit sale) transactions. A Peoples Security Bank & Trust checking account with autodraft of monthly payment is required. Other rates and terms are available. The line has a maximum draw period of 10 years with non-converted balances at the end of the period converting to a 20-year variable APR repayment term. Conversion Option: During the draw period, the line allows the borrower selected balances to be locked in for short term periods. There is a $75 per lock in conversion fee. Payments to the variable line and converted balance portions reducing principal will allow the line of credit availability to increase up to the maximum amount granted. Fees to open this line of credit generally range between $0 and $950 in Pennsylvania and $0 and $3,500 in New York and $0 and $1,050 in New Jersey. Homeowners insurance is required. Flood insurance may be required as necessary. APR may not exceed 18.00% (PA) and 16.00% (NY), (NJ) with a floor of 3.99%. Maximum loan amount $300,000. (2) All loans subject to credit and collateral approval. This offer is effective 05/04/23 and may be discontinued at any time without notice. (3) The initial Annual Percentage Rate (APR) of 1.99% fixed for a period of six months will apply from date of origination when a minimum $10,000 advance is taken on date of origination. The 1.99% promotional APR only applies to unconverted balances. (4) Following the promo rate period, the Annual Percentage Rate (APR) will vary based upon Prime Rate as published in the Wall Street Journal, currently 8.25%, effective 05/04/23. Note: the product has a floor of 3.99%.

*Our mortgage loan applications are collected by Finastra, a trusted business partner. By proceeding, you will be directed to Finastra’s mortgage web center.

(1) This offer is available to borrowers for an owner-occupied 1-4 family residence with loan to value ratios up to 80%. Other rates and terms are available. This offer is effective 3/20/23 and may be modified or discontinued without any notice. This offer is subject to credit approval and is for new money only. An example of the monthly payment would be $11.54 per $1,000 borrowed. Rate offered is with autodraft of payment from a Peoples Security Bank checking account. Rate offered without autodraft of payment from a Peoples Security Bank checking account is 7.25% APR. An example of the monthly payment would be $11.80 per $1,000 borrowed. All loans subject to credit and collateral approval. 

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