With a Home Equity Line of Credit you can put the hidden value in your home to work.
Home Equity Line of Credit
Prime, currently
8.50% APR*
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
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Competitive Rates
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Quick Decisions
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Local Processing
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Anytime Funds
HELOC Details
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.
Home Equity Line of Credit Calculator
Calculator
Meet Our Lenders
Our experienced, knowledgeable and friendly lenders are ready to help you with your HELOC loan.
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Wil Morales
Assistant Vice President
Monson Branch Manager
Retail Banking & Security OfficerNMLS 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
Helpful Blog Post
1Consult a tax advisor.
*Rates are accurate as of Today's Date (Do Not Delete). 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, no closing costs, and there are no appraisal fees unless you request us to use a value different than your town's assessed value, and that appraisal cost would be your responsibility. Fees to open the plan total between $0 and $1,500. Credit offer is subject to credit approval.
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).
