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2.49% APR 8-Month Fixed Rate

Home Equity Line of Credit*


Apply today for this low-cost way to finance your next big project!


  • Home Improvements
  • Debt Consolidation
  • Real Estate / Income Taxes
  • Education Expenses
  • Vacations, Celebrations & More!

Contact a banker for more information, or apply at any branch!

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*8-Month Home Equity Line of Credit: 2.49% Annual Percentage Rate (APR) during the eight-month introductory period. Thereafter, the APR is a variable rate based on the "Prime Rate" as published daily in the Money Rate section of the Wall Street Journal on the first business day of each month. Based on the 2/1/15 Prime Rate of 3.25%, the following rates apply on SBT's home equity line products: Rates range between 2.49% APR to 8.25% APR depending on the approved credit line amount, combined loan-to-value (CLTV), and credit qualifications. 2.49% APR assumes an LTV of 80% or less, and requires a new or existing SBT checking account. Rate restricted to loans using collateral of 1-to 4-family owner-occupied residence and is subject to no less than a second lien position on your property. All loans are subject to SBT's underwriting standards. Lifetime APR will not exceed 24.00% per annum; floor rate is 2.49%. Credit Line subject to an annual fee of $55 after the first year. A $450 Early Termination fee will apply to home equity line of credit accounts closed within the first 24 months. Monthly payments of interest only will result in a balloon payment. Offer subject to change without notice. Not available for homes currently listed for sale. Property insurance is required. Flood hazard insurance may be required. Some restrictions may apply. Rates are subject to change anytime. Third-party fees and charges ranging from $0.00 to $683.00 may be assessed at closing. Minimum initial advance of $25,000 required. Available only to new Home Equity Line of Credit (HELOC) customers and current HELOC customers with a 50% increase on existing SBT HELOC credit limit. Not available for purchase money transactions. Consult your tax advisor regarding the deductibility of interest.


SBT is an Equal Housing Lender.