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Home Equity Lines of Credit (HELOC) are available to qualified applicants on new owner occupied conforming residential real property in first or second lien position up to a 80% maximum loan to value for primary residences, or 70% maximum loan to value for second homes. Second liens may not be written behind an existing HELOC. Standard closing costs generally range from $450 to $2,500 on home equity lines of credit. Subordination fees to other lenders vary and apply on all line amounts. The standard $75.00 Annual HELOC line fee will not be charged. Property insurance is required. A prepayment fee of 2% of maximum credit limit or $500, whichever is less, applies if the credit line is paid off and closed prior to the three year anniversary date of the credit agreement. 2 2.99% Fixed Introductory Annual Percentage Rate (APR) for 36 months on new Variable Rate Home Equity Line of Credit applications for qualified applicants who apply from January 1 through April 30, 2015. Fixed Introductory APR is available for new approved Variable Rate Home Equity Line of Credit applications where either the primary applicant or co-applicant has a minimum credit score of 720 or greater. Qualified applicants must take an initial advance from their line of credit of at least $25,000 to receive the Introductory Rate. The Introductory rate requires a TCB checking account opened at the time loan documents are drawn. The Introductory rate of 2.99% APR includes a .25% discount for Automatic Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase by .25%.

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