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Use the value of your home to cover costs as they come with our REAP Home Equity Line of Credit.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Anytime Access
  • Competitive rates for several ongoing or seasonal needs:
    • Home improvements
    • Debt consolidation
    • Education expenses
    • Major life events
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing
  • Revolving credit – access money as needed and make payments only on the funds you use
  • Funds easily available by making transfers in-person, over the phone, online, or check
  • Maximum loans up to 100% of the appraised value
  • No application fee, no annual fees, and closing costs are waived on loans $25,000 or greater
  • Interest paid may be tax deductible1
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Complete Your Application

Download our Consumer Loan Application and enter your information. You can drop off your completed application at our office or submit it online with our secure email service.

1Consult a tax advisor.