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Utilize the equity in your home!
5 Year Home Equity Line of Credit Special Offer
Need some cash for a kitchen remodel or other spring projects? Utilize the equity in your home! The 5 Year Lock is the perfect home equity line of credit to make home improvements, pay college tuition, consolidate debts, go on a dream vacation, or purchase a new vehicle.
Apply for a 5 Year Lock Home Equity Line of Credit Special Offer with an APR introductory rate of 1.89% before May 31, 2019 and fees may be waived*.
- A twelve (12) month introductory rate of 1.89% APR
Converts to a rate lock of 4.99% APR for the next 48 months
The remaining advance and repayment period would then be variable @ WSJ Prime plus a margin of .74%
Offer is valid with auto draft of payment from a checking or statement savings
Fees will be waived when the applicant has an ACNB Checking or Statement Savings account with a recurring direct deposit
For those applicants that do not have the ability to have direct deposit, fees will be waived if the applicant has an ACNB checking account that meets the following requirements within the first 60 days: 10 POS transaction and enrollment in online banking. If these requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan
Prepayment penalty of 2% of the credit limit or $350, whichever is less of the line amount, if the line is terminated in the first 36 months (this fee cannot be charged on Maryland properties)
Title insurance is required on requests or aggregates over $250,000
Loan-to-Value would be up to 90%
Rates subject to change without notice
Home Equity Loan
- You’ll receive the entire amount upfront.
- Interest rates are fixed.
- Variety of terms ranging from 1 month to 20 years.
Home Equity Line of Credit (HELC)
- Take what you need, when you need it.
- Lines with variable and fixed rates.
- Fixed interest rate for up to five years.
Ways to Apply
Apply By Phone
We have dedicated staff that can assist you with applying right over the phone!
Call to get started now!
Equal Housing Lender. Member FDIC. Offer valid March 1, 2019 through May 31, 2019 but is subject to change without notice. Standard underwriting criteria apply. Property must be located in the NWSB Bank service area. At the Bank’s discretion, interest rates may change at any time without notice. The APR (Annual Percentage Rate) is fixed for the first 60 months, and then converts to a variable rate. As of February 1, 2019, the variable APR is based upon The Wall Street Journal Prime Rate plus .74% was 6.24%. The maximum APR is 18.00%. APR based upon line of credit up to 90% loan-to-value. The interest rate for your line is based upon your creditworthiness. Property insurance is required. The payment must be automatically deducted from an NWSB Bank Checking or Statement Savings account. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. If they are not, you will be required to pay the entire outstanding balance in a single payment. Payment must be automatically deducted from an NWSB Bank checking or statement savings account.
*Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording), will be waived if applicant has or opens an NWSB Bank Checking or Statement Savings account with recurring direct deposits. For those applicants that do not have direct deposit, fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording), will be waived if the applicant has or opens an NWSB Bank checking account and completes, within the first 60 days, 1.) 10 Point of Sale transactions and 2.) Enrollment in online banking. If the requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. Subject to appraisal requirements. If the loan request is over $250,000, Title Insurance may be required. For properties located in the state of Maryland, recordation tax applies. Appraisal, Title Insurance and Maryland Recordation Tax fees will not be waived and the applicant will be responsible for these costs. Other rates and terms are available.