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With a Home Equity Line of Credit you can put the hidden value in your home to work.

HELOC
Special

Fixed up to 6 Months

5.95% APR*

Then Prime, now

8.50% APR*

 

Apply Now


What projects will you tackle?

Home Renovations   I    Home Additions & Upgrades

Make Large Purchases    I   Pay Education Expenses   I    Vacation Planning

Emergency Fund   I    Consolidate Debt

 

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Anytime Funds

Home Equity Line of Credit 

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available for use
  • Interest is only charged on what you use
  • The interest paid might be tax deductible1
  • Flexible repayment terms that fit your budget
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Learn More

Visit our Mortgage Web Center for financial calculators, current rates, and other helpful resources.

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Meet Our Lenders

Our experienced, knowledgeable and friendly lenders are ready to help you with your HELOC loan.

  • Wil Morales

    Assistant Vice President
    Monson Branch Manager
    Retail Banking & Security Officer

    NMLS ID 1220692

    (413) 267-1215

    Email Wil Morales
  • Vicki Baldyga

    Wilbraham Branch Manager

    NMLS ID 864006

    (413) 267-1281

    Email Vicki Baldyga
  • Adriano dos Santos

    Hampden Branch Manager

    NMLS ID 959426

    (413) 267-1290

    Email Adriano dos Santos
  • Shannon Ortona

    Ware Branch Manager & IRA Administrator

    NMLS ID 1462400

    (413) 725-4545

    Email Shannon Ortona
  • William J. Toth

    East Longmeadow Branch Manager

    NMLS ID 1404960

    (413) 893-0195

    Email William J. Toth

*Rates are accurate as of Today's Date (Do Not Delete). Offer valid beginning 3/21/2024. The special rate is automatically applicable for the first 6-month period. After the first 6 months, the rate will be variable based on the Prime Rate published in the Wall Street Journal. The maximum APR is 18%. An early termination fee of $500 will apply if loan is paid and discharged within 36 months from date of origination. Property insurance is required. Minimum line amount is $7,500. The interest paid on a home equity loan or credit line may be tax deductible depending on your particular tax status. Consult your tax advisor regarding tax deductibility. Not available to existing Home Equity customers. Offer can end at any time without notice. There are no points, closing costs, and there are no appraisal fees unless you request us to use a value different than your town’s assessed value or the loan amount is equal to or greater than $400,000.00. In these instances, the appraisal cost would be your responsibility. Credit offer is subject to credit approval.

1Consult a tax advisor.
 
Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).