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Loans

HOME EQUITY LOANS

You've worked hard to build up the equity in your home. Now, you can put your home's equity to good use with our home equity loans and lines of credit. If you have a dream you'd like to bring to life, we---and the equity in your home---can help.

Home Equity Loan

  • Available to individuals upon approval of application.
  • Amount of loan based upon the fair market value of the property which shall be determined by ordering an Automated Valuation Model (AVM) Report, in conjunction with a Property Condition Report (PCR), or an appraisal in accordance with the Bank's real estate appraisal guidelines.
  • Fixed terms from one month to 20 years.
  • Fixed interest rate.
  • Automatic payment deduction from an ACNB Bank checking or statement savings account may qualify for a lower interest rate.
  • Interest paid is usually tax deductible. Please seek the guidance of a tax advisor.

 

Home Equity Line of Credit - Fixed or Variable Rate Options

  • Available to individuals upon approval of application.
  • Amount of Home Equity Line of Credit based upon the fair market value of the property which shall be determined by ordering an Automated Valuation Model (AVM) Report, in conjunction with a Property Condition Report (PCR), or an appraisal in accordance with the Bank's real estate appraisal guidelines.
  • Home Equity Line of Credit can be accessed using a Visa® Card, by writing checks, or through Internet Banking and Telephone Banking. 
  • The fixed interest rate option offers a fixed rate for the first five years.
  • Fixed Rate Option for Variable Rate Home Equity Line of Credit - The variable rate line offers the option to convert all or a portion of the outstanding balance to a fixed interest rate. The portion that is converted to a fixed interest rate will be paid off in equal monthly payments over a period of either three, five or seven years---it's your choice.
  • Interest paid only on the amount used, and as payments are made, the line of credit becomes accessible over and over again.
  • Interest paid is usually tax deductible. Please seek the guidance of a tax advisor.
  • May provide Overdraft Protection for an ACNB Bank checking account. A disbursement, in $200 increments, from the home equity line is transferred to the overdrawn account automatically. Interest begins to accrue upon transfer to the overdrawn account.

 

Click here for our calculators.

Equal housing Lender    Member FDIC