The all-in-one flexible loan for your lifestyle.

A home equity line of credit allows you to borrow multiple times over the life of the loan, up to your credit limit. The line of credit is ready to use when you need those extra funds and you will only pay back what you borrow - whether just the minimum payment or pay it off faster. And, you can asily access your funds through online banking, checks or by card.

Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office

Convert your variable rate to a fixed rate

If you decide you want to convert your variable rate to a fixed rate, you can do it. You can convert all or a portion of the outstanding balance to a fixed interest rate. The amount that is converted to a fixed interest rate is paid off in equal monthly payments over a period of either three, five or seven years---you choose the amount of time to pay it off.

We look at the fair market value of the property, which is determined by an Automated Valuation Model (AVM) Report and Property Condition Report (PCR), or an appraisal in accordance with the Bank’s real estate appraisal guidelines.

Save money on overdraft fees by setting up your HELC for Overdraft Protection on an ACNB Bank checking account. If the account becomes overdrawn, funds are transferred from the HELC to the overdrawn account automatically. Interest begins to accrue immediately on the portion of the HELC that was transferred to the overdrawn account.

5 Year HELOC


  • Use the equity in your home for a remodel, college tuition, debt consolidation, vacation or more.
  • You only pay interest on what you use.
  • Don’t miss this low rate! Plus, fees may be waived through May 30, 2020.


10 Year Home Equity Line of Credit


  • Show your home some love with a home renovation, or use the money  to consolidate debt or pay for college.
  • 10-year fixed rate of 3.99% APR


10 year home equity loan special


  • You’ll receive the entire amount upfront.
  • Interest rates are fixed.
  • Variety of terms ranging from 1 month to 20 years.




We have a variety of calculators available for you.



Learn, explore, and stay up to date with the latest news and articles.

Visit the Blog


Check the latest rates for all our products!

Compare Rates


EHL Member FDIC. Offer valid March 2, 2020 through May 30, 2020 but is subject to change without notice. Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. At the Bank’s discretion, interest rates may change at any time without notice. The APR (Annual Percentage Rate) is fixed for the first 60 months, and then converts to a variable rate. As of March 16, 2020, the variable APR is based upon The Wall Street Journal Prime Rate plus .74% was 3.99%. The maximum APR is 18.00%. APR based upon line of credit up to 90% loan-to-value. The interest rate for your line is based upon your creditworthiness. There is a new money requirement of $10,000.Property insurance is required. The payment must be automatically deducted from an ACNB Bank checking or statement savings account. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. If they are not, you will be required to pay the entire outstanding balance in a single payment. The prepayment penalty for home equity lines of credit terminated in the first 36 months is 2% of the credit limit or $350, whichever is less. Payment must be automatically deducted from an ACNB Bank checking or statement savings account. Fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording), will be waived 1.) if applicant has or opens an ACNB Bank Checking or Statement Savings account with recurring direct deposits.  2.)For those applicants that do not have direct deposit, fees (Flood Certification, Lien Search, Automated Valuation Model (AVM), Property Condition Report (PCR) and mortgage recording), will be waived if the applicant has or opens an ACNB checking account and completes, within the first 60 days, a.)  10 Point of Sale transactions and b.) Enrollment in online banking.  If the requirements are not met within the first 60 days, the loan fees will be added to the principal balance of the loan. 3.) If the applicant cannot meet either requirement for the fee waiver, the applicant will have an option to pay for the fees at closing.  If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. Subject to appraisal requirements. If the loan request is over $250,000, Title Insurance may be required. For properties located in the state of Maryland, recordation tax applies.  Appraisal, Title Insurance and Maryland Recordation Tax fees will not be waived and the applicant will be responsible for these costs. Other rates and terms are available.