Home Equity Loans & Lines

Get the money you need to do almost anything you want.

If you own a home, chances are good you can borrow money at very attractive rates. At PS Bank, our Home Equity solutions help you put your plans into action and make life better for you and your family.

The value of your home can help you obtain a life-changing loan that can be used for almost anything. Add a few rooms. Remodel your kitchen. Buy something special. Travel somewhere exciting. Our low rates and flexible repayment plans unlock a world of opportunities.

  • Low fixed rates
  • Borrow up to 85% of your home's equity (Equity is your home's market value minus the remaining balance on any mortgages)
  • Take up to 20 years to repay
  • No closing costs**
  • Schedule convenient automatic payments through Online or Mobile Banking
  • Interest payments on home equity loans may be tax-deductible.


*Annual percentage rate (APR) stated requires FICO credit score of 720 or greater when you borrow $25,000 or more in new money. Payment example: Borrow $50,000 at 3.99% for 240 monthly payments in the amount of $302.73. Rates may differ based on credit score, property/dwelling type, payment method. Rate and payment example assume that payments will be transferred automatically from a PS Bank checking account. Maximum loan to value of 85%. Property and hazard insurance are required and are the responsibility of the borrower. Offer subject to credit approval. Please consult your tax advisor to determine if interest is tax deductible. Applies to Pennsylvania properties only. Rate is in effect as of October 15, 2021.

**“NO CLOSING COST” PRODUCT DISCLOSURE: “No closing costs” means PS Bank (‘Bank’) will waive origination fee, abstract update, title search fee, appraisal fee, bank attorney fee, or mortgage tax. If the customer selects an attorney to represent him/her, customer is responsible for attorney’s fee. Bank’s intent is to utilize and pay for an exterior-only appraisal of the collateral property. If a more extensive appraisal is requested by the customer, or is deemed to be necessary by the Bank for any reason, the Bank will pay for up to $325.00 of the cost. The customer will be responsible for any difference charged by the appraiser. Any expense not specifically listed herein is the responsibility of the borrower. Property and hazard insurance are required and are the responsibility of the borrower. Loans paid off within three years of the origination will incur third-party closing costs waived at account opening. Additional terms and conditions may apply.

There are times when life gets a little expensive. That's when it's nice to have access to extra money at a moment's notice. With a Home Equity Line of Credit, you can make a major purchase, pay tuition bills, cover medical costs - or simply do something nice for your family. One easy application gives you access to cash as many times as you need it and for whatever you choose.

  • Low introductory rates
  • Credit limits up to 85% of your home's equity (Equity is your home's market value minus the remaining balance on any mortgages)
  • Low closing costs
  • Easily access funds with checks, digital banking tools, or at PS Bank branches
  • Good choice for paying off higher interest loans or credit card balances
  • Property and hazard insurance are required and are the responsibility of the borrower.

Find a Lender

PS Bank is proud to offer an exclusive home equity loan product, Home Equity 100%. This product offers our customers the ability to borrow up to 100% of the value of their home to make their next big purchase with no closing costs*. You can finance home improvements, buy a vacation home, splurge for that RV, or even use toward a new boat. Ask our team how you can take advantage of Home Equity 100%. Getting started is easy.

Limited Time Offer effective as of October 31, 2021. Rates may differ based on credit score, property/dwelling type, or term of loan. Maximum loan to value is 100%. Example of payment terms: Borrow a minimum of $25,000 new money at 5.50% annual percentage rate for 60 monthly payments of $477.53 (rate assumes FICO credit score of 700 or greater). Rates for terms up to 240 months are also available. Offer subject to credit approval. Additional terms and conditions may apply. Applies to Pennsylvania properties and primary residence only. Does not apply to manufactured homes. Consult your tax advisor to determine if interest is tax deductible. *ADDITIONAL “NO CLOSING COST” PRODUCT DISCLOSURE: “No closing costs” means PS Bank (‘Bank’) will waive origination fee, abstract update, title search fee, appraisal fee, bank attorney fee, or mortgage tax. If customer selects an attorney to represent him/her, customer is responsible for attorney’s fee. Bank’s intent is to utilize and pay for an exterior-only appraisal of the collateral property. If a more extensive appraisal is requested by the customer or is deemed necessary by Bank for any reason, Bank will pay for up to $325.00 of the cost. The customer will be responsible for any difference charged by the appraiser. Any expense not specifically listed herein is the responsibility of the borrower. Property and hazard insurance are required and are the responsibility of the borrower. Loans closed within three years of origination will incur third-party closing costs originally waived at account opening. Member FDIC. Equal Housing Lender.

PS Bank is a full-service financial institution with branches throughout Northeastern and North Central Pennsylvania.

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Explore Our Digital Banking Services

At PS Bank, you can manage your money and account from anywhere, anytime. Use Online Banking to pay bills, make loan payments, and more.

Check Out Our Competitive Rates

240 Month Home Equity

3.99
% APR

HELOC Introductory Rate

2.49
% APR

30 Year Mortgage

3.333
% APR

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