LOW FIXED RATE. VISA^® ACCESS. LOW MINIMUM LOAN AMOUNT.

Others may say they have the best offer, but you have to take on a mountain of debt to qualify, or they don't have a home equity line with a rate fixed for five years. Our minimum loan amount is just $10,000. Plus, our Home Equity Line comes with a Visa^® card, so you can tap your line whenever you wish. Apply today. Forget the rest---you deserve the best. And, you found it here.

Equal Housing Lender. Equal Opportunity Lender. Member FDIC. At least $10,000 of the loan amount or initial advance must be new borrowings at Adams County National Bank. Plus, the payment must be automatically deducted from an Adams County National Bank checking or statement savings account. Without automatic payment deduction, the APR is 5.99%. The interest rate for your loan is based upon your creditworthiness. Other rates and terms are available. Property insurance is required. Offer valid, beginning 9/18/2009 through 11/30/2009, but may be modified or discontinued without notice. *Fixed Loan: The Annual Percentage Rate (APR) is accurate given a minimum loan amount of $10,000. With an APR of 5.49%, the monthly loan payment is $10.85 for $1,000 borrowed for a term of 120 months. The term of the loan may range from 1-120 months. The loan amount, which is up to 90% loan-to-value, depends upon the tax assessment or appraised value of the equity in your primary residence. **Fixed Line: This Annual Percentage Rate (APR) is accurate given a minimum line amount of $10,000, as well as an initial advance of at least $10,000. The APR is fixed for the first 60 billing cycles. Thereafter, the APR may increase or decrease monthly on the billing date and is equal to The Wall Street Journal Prime Rate, however, the APR will never be lower than 4.00%. The maximum APR is 18.00%. A tax assessment is accepted on credit lines with a loan-to-value ratio of up to 90% as long as the total line amount outstanding does not exceed $250,000. The credit line amount may vary from $10,000 to $250,000, depending upon the tax assessment or appraised value of the equity in your primary residence.