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Special Limited Time Offer - Home Equity Lines of Credit (HELOC)

Introductory fixed rate 1.85% APR* then as low as 3.50% APR* current variable rate thereafter 
Take advantage of the equity you have in your home by using a Home Equity Line of Credit. You’ll enjoy a competitive interest rate for expenses such as:

  • Home improvements
  • College tuition
  • A dream vacation
  • Debt consolidation

Visit a branch to apply today.
*The Annual Percentage Rate (APR) of 1.85% is an introductory fixed rate offered for a limited time beginning November 9, 2015, for new Home Equity Lines of Credit (HELOCs) of $25,000 or more. The introductory APR will adjust after 12 months to a variable APR based on the current Wall Street Journal Prime; however, the rate could be adjusted higher or lower based on the applicant’s credit qualifications to include debt-to-income, loan-to-value, and credit score and/or approved credit line limits. After the introductory APR period: the APR may vary and can change monthly; minimum APR is 2.75%; and maximum APR is 20%. This introductory offer requires that monthly payments are drafted from an American National Bank and Trust Company checking account. This offer is subject to credit approval, income verification, and collateral evaluation. Flood and/or property insurance may be required. Promotion may be discontinued without notice. We reserve the right to change the product parameters at any time. Check with your tax advisor on the tax deductibility of home equity interest. Borrower will pay closing costs ranging from $0 to $2,000, which includes a $1 fee for life-of-loan flood determination coverage. Bank may pay a portion of the closing costs on borrower’s behalf; however, if the HELOC is paid off and closed within the first 36 months following account opening, borrower will be required to reimburse bank for those closing costs. Borrower pays all costs pertaining to mortgage taxes and insurance on the property that secures the HELOC.

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