Home Equity Loan

Unlock your home’s equity.

A home equity loan is a convenient way to take on unexpected expenses, home repairs, a renovation project, debt consolidation and more. Use a home equity loan if you want to borrow a specific amount, and have the stability of a fixed rate, term, and monthly payment that fits your budget. And, enjoy tax-deductible interest!

Details on the home equity installment loan:

  • Maximum loan term is 240 months (20 years) with a fixed APR based on the term. Click here for current Rates & Terms
  • Minimum loan amount is $3,500
  • Payments are deducted automatically from your ACNB Bank account
  • Payment will never change through the term of the loan
  • You receive the total loan amount up front 

Home Equity Special

15-Year Fixed Rate Home Equity Loan Special 

Is it time to...

  • Renovate or update your home
  • Improve your kitchen, bathroom, outdoor space, and more
  • Purchase a vehicle
  • Make repairs to old plumbing, heating and air conditioning, roof, and more
  • Medical expenses
  • Consolidate debt

If so, our current special offers a low 3.99% APR. Apply before November 30, 2020 and fees may be waived.*

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.

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Home Equity Special


  • 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 November 30, 2020.

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*Offer valid August 10, 2020 through November 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 July 24, 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  80% 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. 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.