*Additional Terms and Conditions:
All loans and lines of credit are for owner-occupied properties and are subject to credit review and approval. Various fixed and variable rate home loan products, term lengths and Annual Percentage Rate (APR) options are available for first and second lien position home equity loan or line of credit amounts of $10,000 to $1,000,000 and up to 80% Loan-to-Value (LTV), and may vary for approved loans based on creditworthiness, loan amount, Loan-to-Value (LTV), and other underwriting criteria.
An example 15-year home equity loan of $50,000 at 6.490% would have monthly payments of $435.28 for 180 months. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.490% includes no prepaid finance charge.
Home Equity Lines of Credit (HELOC)- Interest rate is variable for 120 months, with APR equal to the Prime Lending Rate, as published in the most recent edition of the Wall Street Journal. At no time, will the APR be greater than 18% or lower than 0%. HELOC rate adjustments will take effect on the first day of the month after a Prime rate change. An example home equity line of credit of $100,000 at 6.75% for 120 months would have monthly interest only payments of $573.29 (assuming a full draw from the available line and principal is not reduced.) After the 120 months Draw period, the principal balance will then be fixed and amortized for 240 months (Repayment Period).
Example rates do not reflect 0.125% discount for automatic payments from a checking or savings account. Information accurate as of July 20, 2026, and subject to change. To view current rates and APR options, visit www.PennCommunityBank.com/PersonalRates. Property insurance is required. If the loan use is for short-term/bridge financing, a 1% fee may apply. Additional terms, conditions, and fees may apply. Consult a tax advisor for deductibility of interest. Ask for full details. Penn Community Bank NMLS #434939.
