Home Equity

Unlock your home's equity

Borrow funds for home projects, large purchases, unplanned expenses or to consolidate your debt.

Check our rates

Select from our home equity options below to find the right solution for you

Home Equity Line of Credit

  • Access the equity in your home with a home equity line of credit
  • Get an introductory rate of Prime -1.25% for the first 12 months1
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  • Borrow up to 90% of the equity in your home
  • Make payments only when you use money from your line of credit
  • Line of credit dollars are eligible to convert to a fixed rate, fixed term loan
  • A variety of terms available

Home Equity Loan

  • Payments are fixed for the life of the loan
  • Earn a competitive fixed rate
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  • Borrow up to 90% of the equity in your home
  • A variety of terms available

Energy Efficiency Home Equity Loan

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  • Borrow up to 90% of the equity in your home
  • 50% of the loan amount must be for energy savings improvements
  • A variety of terms available

For more information, visit an office or call 877.888.1388.

 

Home Improvements

Tips of the Trade: Home Improvements to Raise the Value of Your Home

Buying a home is one of the best investments you can make. Yet there are many things you can do to keep that investment growing.

We’ve outlined some of the best renovation projects for improving home value.

Read More

Legal Information & Disclosures

1 The Annual Percentage Rate (APR) will be variable (Prime -1.25%) for the first 12 months, and will be based on the highest prime rate published in the Wall Street Journal as published on the first day of each monthly statement cycle, and shall be adjusted on the first business day of each monthly statement cycle. After 12 months, the APR will be variable (Prime -.50%). As of 12/11/2025, the prime rate is 6.75%.

The maximum APR is 18%. Maximum loan to value is 80%. You will be charged a fee for PeoplesBank to obtain a valuation on the property securing the Home Equity Line of Credit for any request greater than $150,000. You may be required to pay for any inspections related to the property secured by the Home Equity Line of Credit deemed necessary by PeoplesBank. You are required to purchase and maintain adequate property insurance naming PeoplesBank as mortgagee. Minimum line amount is $10,000. As of 12/11/2025, the prime rate is 6.75%.

2The Energy Efficiency Home Equity loan offers ¼% off our standard Home Equity loan rates when at least 50% of the funds is used for the purpose of improvements designed to minimize the home’s environmental impact. You will be required to show documentation of the project highlighting the energy efficiency improvement. Offer subject to change without notice.