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Ready Cash To Use For Whatever You Choose

A line of credit is a reusable and flexible source of ready cash allowing you to unlock the equity in your home.
You can use the equity for whatever you wish.

  • Low competive rates
  • Ready cash for tuition, home Improvements, consolidation
  • Borrow up to 85% of your home equity ($300,000.00 maximum)
  • No points
  • No closing costs on loan ($15,000.00 or more)
  • Interest only available
  • Low monthly payments
  • Interest may be tax deductible (Consult a tax advisor)


Home Equity Line of Credit

Product

Features

Term

APR†

HELOC - Adjustable 80% Loan to Value - Rate at Prime 2 Year Min 4.500%  
HELOC - Adjustable 85% 85% Loan to Value - Rate at Prime + 2% 2 Year Min 6.500%  

†APR = Annual Percentage Rate. Rates on these loans are variable and may change monthly. No Closing Cost Option available if initial draw is $15,000.00 or more. If less than $15,000.00 you will be charged third party fees ranging between $0.00 and $1,700.00. If balance is paid off or plan is closed within 36 months of being opened you must reimburse to HAR-CO third party fees paid for you. Line of Credit on primary residence located in MD, PA, DE. Property insurance is required. Member eligibility required. Subject to credit approval. Maximum APR is 18%.

*CURRENT RATE IS 3.75% as of 2/1/18 if you qualify. We will discount the standard rate of Prime +0% (currently 4.50%) by 0.25% for having HAR-CO free checking with autopay, plus 0.25% for credit strength, and 0.25% for collateral strength. Rate changes with Prime. Prime rate can change.

**No Closing Cost Option available if initial draw is $15,000.00 or more. If less than $15,000.00 you will be charged third party fees ranging between $0.00 and $1,700.00. If balance is paid off or plan is closed within 36 months of being opened you must reimburse to HAR-CO third party fees paid for you. Security used must be on your primary residence located in MD, PA or DE. Property insurance is required. Loan subject to credit approval. Most Harford County households can be HAR-CO members. Membership is free.

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