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Home Equity

You've put so much into your home. It's time to get something out of it.

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Talk to us about using the equity in your home to make some of those home improvements you’ve been meaning to do. Our home equity products also offer you the flexibility to use them towards college tuition, or even debt consolidation. We can help you find the best rates and flexible terms.

  • Home Equity Lines of Credit1

    Access money when you need it and only pay interest on the amount you borrow. It is a flexible way to pay ongoing expenses or have a little safety net for those unexpected costs. You can even reuse your funds as you pay them down.

    • $50 annual fee2

    • Line amounts from $25,000 - $500,000

    • Draw on the line for up to 10 years with up to 20 years to repay the funds used

    • Get the flexibility to choose the payment option that works for you—interest only or principal and interest3

    • Know that you can fix a portion of your line—making your monthly payments consistent and predictable.

    • Enjoy no application or closing costs

    To learn more, please visit a branch. 

    Start Application Now See Full Terms & Disclosures
    EZ-Lock Home Equity Line Of Credit1 (HELOC)
    -Primary Residences, Second Homes     Rates Effective as of: August 11, 2025
    Type of Loan Maximum Term Current Rate APR4 Floor Rate
    Type of Loan: HELOC - New Maximum Term:30 Years Current Rate:6.990% 5

    Prime minus .250%

    		 APR4:6.990% Intro APR for 12 months 5

    7.250% Current APR

    		 Floor Rate:3.000%
    Type of Loan: HELOC - Existing Maximum Term:30 Years Current Rate:Prime minus .250% APR4:7.250% Current APR Floor Rate:3.000%
    Type of Loan: HELOC > $500,000 Maximum Term:30 Years Current Rate:Prime APR4:7.500% Current APR Floor Rate:3.000%

    Not sure if Home Equity Lines of Credit1 is right for you? We’ll help you find what is!

Home Equity Lines of Credit

1All rates subject to change without notice.

A New HELOC is a customer without a CSB HELOC or CSB Home Equity Loan. An Existing HELOC is a customer with a CSB HELOC or CSB Home Equity Loan. Subject to credit approval. Minimum loan amount is $25,000. Maximum loan amounts are: $500,000 for a 1 unit, primary residence with an 75% max combined loan-to-value ratio (CLTV); $250,000 for a 1 or 2 unit, primary residence with an 80% max CLTV; $250,000 for a 3 or 4 unit, primary residence with a 75% max CLTV; and $250,000 for a 1 unit, second home with an 80% max CLTV. Call us for current rate & terms for properties listed for sale.

HELOC > $500,000 is available with a minimum loan amount of $500,001, maximum loan amount of $1,000,000 for single family, primary residence with a maximum CLTV of 70% only.

APRs for HELOCs are variable and are subject to change monthly based on the Wall Street Journal Prime Rate, which is currently 7.500%. The maximum rate is 18.00% APR. Minimum or “Floor” rate is 3.000%. The term is based on a 10 year draw period and a 20 year repayment period.

2An annual maintenance fee of $50 is charged on all HELOCs, unless you are a Performance Plus checking or CSB@Work checking customer. If the property is in a trust a fee of $355 will apply. Property insurance required and Flood insurance may be required. An early termination fee of lesser of $500 or 2.0% of the initial credit limit may apply if line is terminated within 36 months. A drive-by appraisal will be paid for at the bank’s expense. A full appraisal may be requested at the borrower’s expense at a fee of $500-$1,100. Third party fees ranging from $369 - $1,607 may apply. The option to convert a portion of your line to a fixed rate is available.

3Payment options are only available during the 10 year draw period.

4Annual Percentage Rate (APR)

5The introductory rate and APR are fixed for the first twelve months. After twelve months, the rate and APR are variable for the remaining life of the loan based on the Prime Rate minus .250%.
 

Home Equity Loans

6All rates subject to change without notice.

Payment amounts do not include taxes and insurance. Your payments may be greater.

Subject to credit approval. Rates and terms based on owner-occupied 1-4 family homes & condominiums. Home Equity Loan minimum is $25,000. Maximum loan amounts are: $500,000 for 1-unit primary residence properties with an 85% max combined loan-to-value ratio (CLTV); $250,000 for 1 unit second homes and 2-unit primary residence with an 80% max CLTV; $250,000 for 3-4 unit primary residence with a 75% max CLTV. Property insurance required. Flood insurance and other fees may be required. If the property is held in a trust a fee of $355 will apply. Maximum CLTV based on a drive-by appraisal at the bank’s expense. A full appraisal may be requested at the borrower’s expense at a fee of $500-$1,100.

7Annual Percentage Rate (APR)