Home Equity Lines & Loans

Use your Home Equity Line of Credit to Consolidate Debt, Renovate your Home, or Finance an Education.

Your home is your biggest investment; make that investment work for you with a SNBT Home Equity Line of Credit (HELOC). Enjoy greater financial flexibility using the equity in your home as collateral with a revolving line of credit. Apply Online Today!

For a Limited Time Only HELOC Special Features:

  • Receive 3.99% APR* for 12 months from date of the contract
  • After the first 12 months, the rate will resume at our normal rate
  • $10,000.00 new money
  • Receive up to $200 promotional credit towards closing cost
  • 1st year annual fee waived - $50 value
  • Apply Online Today!
  • Find a local banker who can help answer your questions 

Uses for a Home Equity Line of Credit

  1. Consolidate Debt
  2. Remodel your Home
  3. Finance an Education
  4. Grow your Business
  5. Pay off High-Interest Credit Cards
  6. Set-up a Rainy Day Fund
  7. Buy a Second Home
  8. Repay Medical Expenses
  9. Make Tax Payments
  10. Take a Vacation
  11. Purchase a Car or Boat


  • Apply Online only once, and borrow as much of your line as you wish
  • Access your line of credit at any time, simply use Bank Online to transfer money from your HELOC to a checking or savings account
  • Competitive rates - Check Rates Today!
  • Make interest-only payments if you choose
  • Repay any portion of the principal balance at anytime without a prepayment penalty
  • Monitor your loan and make payments through Bank Online
  • Quick, smooth closing process – see our loan checklist
  • Use up to 90% of your home's value
  • Easy and convenient loan application - Apply Online!
  • Find a local banker who can help answer your questions.
* This limited time offer is subject to credit approval and SNBT standard underwriting requirements. This offer includes residential property up to 90% loan-to-value. When opened, the introductory Annual Percentage Rate (APR) is as low as 3.99% for 12 months. Beginning thereafter, the variable APR is as low as Prime +.50 with a floor rate of 4.54% as of 1/1/19. Interest rates may vary and are indexed to the Prime Rate as published on the first business day of the month in The Wall Street Journal. The maximum APR will not exceed 18%. The $50.00 annual charge waived for one year. Property and/or flood insurance may be required. Closing cost credit of up to $200. Minimum loan amount is $10,000.00 for new loan or a refinance of a current SNBT line of credit increase in credit a minimum of $10,000.00 Other fees and restrictions may apply. Offer available starting December 10, 2018 and is subject to change at any time without notice. Consult tax advisor regarding deductibility of interest. For consumer use only.