Big plans require big financing. Use your home as collateral to lock in a competitive rate.

Key Features

  • Competitive Rates
  • Local Service
  • 2.99% APR rate fixed on all outstanding balances through 12/31/2021
  • 3.50% APR as of 01/01/2022, Rate is Variable, 3.50% APR floor rate (if applicable) or as low as Prime minus .26% APR if calculated rate is greater than 3.50% APR.

Availability of Terms: To obtain the terms described below, you must submit your application by September 30, 2021.  The following specific terms however, are not guaranteed:  Promotional Introductory Rate Information – 2.99% *APR ("Annual Percentage Rate") of 2.99% is an Introductory Rate for New Home Equity Line of Credit (HELOCs) accounts only and is good from the date of loan closing until 12/31/2021. As of 01/01/2022 and thereafter, Standard Home Equity APR rates apply. After the Introductory Rate, rate is variable. Standard Home Equity Line of Credit APR's can range from Prime minus .26% (APR) to Prime plus 2.75% (APR) based on loan amount, credit score and loan to value. To receive the Introductory Rate the client must take an initial draw at closing from the new line of credit of greater than or equal to $20,000. Initial balances of greater than or equal to $20,000.00 as well as any other outstanding balances on your new line of credit initiated from closing date to 12/31/2021 will be calculated at the Introductory Rate of 2.99% APR.  Any outstanding balances as of 01/01/2022 will be calculated at your Standard Home Equity APR. 

This is a 15-year interest only product with outstanding principal and interest due at maturity. Loan Secured by Primary Residence Only and Property Insurance is required. Second Home, Rental, Investment, and Manufactured Homes are ineligible.  Promotional Introductory Rate only available to New Aquesta Bank HELOC clients or former Aquesta Bank HELOC clients that may have closed their HELOCs prior to 12/31/2020.  For loans under $250,000.00, HELOC Processing Fee of $185.00 applies payable at closing, except when independent appraisal is required with approximate cost of $460.00 - $1,000.00. For loans over $250,000.00, in addition to the $185.00 HELOC processing fee, fees may vary with title insurance cost of approximately $1.50 to $2.50 per $1000.00 in loan amount plus appraisal fee. Minimum loan amount $20,000.00. Other terms, conditions and fees may apply. Introductory Rate effective as of 03/01/2021 and is a limited time offer that can be discontinued at any time. Standard Home Equity APR is based on Wall Street Journal "Prime Rate" and is subject to change without notice, maximum APR 16.00%, minimum APR 3.50% after Promotional Introductory Rate expires.

The Standard Home Equity APR listed above includes a 0.25% interest rate reduction if the payment is automatically deducted from an Aquesta Checking account that also receives a direct deposit (Aquesta Platinum or Gold Checking accounts do not require a direct deposit). The direct deposit, if applicable, must be enacted within 60 days of closing. This interest rate reduction does not apply to the Promotional Introductory Rate. This interest rate reduction will be applied prior to expiration of promotional rate period if deposit account requirements are met.

  • Competitive, lump sum financing for one-time needs
  • Competitive rates for ongoing or seasonal needs
  • The existing equity in your home is used as collateral backing
  • Revolving credit – as principal is repaid, more becomes available for use
  • Accommodating repayment terms that work uniquely for you
  • Funds easily accessible via check, in branch, or online transfer to a deposit account
  • Set up automatic payments to be deducted from your account monthly
  • Local decision-making and processing
  • Attentive, personalized service from start to finish
*Consult a tax advisor.

Laura Rizzetta

AVP Branch Manager

[email protected]
NMLS# 730205

Pat Squires

VP Branch Manager

[email protected]
NMLS# 805403

Leigh Wolff

Branch Manager

[email protected]
NMLS# 1838040

Erin Nicolaysen

Branch Manager

[email protected]
NMLS# 2040116

Austin Hailey

Branch Manager

[email protected]
NMLS # 1919200


Jennifer Merritt

VP Branch Manager

[email protected]
NMLS# 73856

Denise Clark

AVP Branch Manager

[Rea Farms]
[email protected]
NMLS# 1181880

Carol Palillo

VP Branch Manager

[email protected]