are effective as of the date below. Rates and terms are subject to change without notice.

Rates as of Friday, January 18, 2019

Interest RateAnnual Percentage RatePayment per $1,000Apply
Home Equity Fixed Loan - 5 Year Term
Home Equity Fixed Loan - 10 Year Term
Home Equity Line of Credit 15 Year Repayment - not available for refinance of existing SIBT HELOC
Home Equity Line of Credit 15 Year Repayment

The benefits of borrowing on the equity in your home:
  • Lower rates than other forms of financing*
  • No points, closing costs~ or application fees
  • Interest may be tax deductible.+
* Check with our lenders to compare rates
~ Property insurance required
+ Check with your tax advisor
These APRs are for owner occupied 1-2 family residences not currently listed for sale. $10,000 minimum and maximum loan $250,000. The Home Equity Fixed Loan Annual Percentage Rate may be discounted by .125% when you have your payment automatically deducted from your Savings Institute checking account.
Annual Percentage rate is based on a $10,000.00 loan.
For Home Equity Line of Credit:For Home Equity Line of Credit: The Annual Percentage Rate (APR) is available for owner occupied 1-2 family residences with 20% equity and not currently listed for sale. Property insurance required. Min. Loan $10,000/Max Loan $250,000. The APR is variable based on the Prime Rate as published in The Wall Street Journal Eastern Edition. Prepayment penalty is the lesser of 2% of the credit line or $500.00 if paid off within the first 36 billing cycles. Maximum APR is 18.00%. $50.00 annual fee waived for the first year or every year for Cash Back, Choice Alliance and e.SI Checking Customers.