Home Equity Loans

A low home equity rate to make BIG plans happen - 6.50% APR*.

BENEFITS YOU'LL LOVE

Financing for what really matters.

Use the value of your home to finance important expenses. Make home improvements. Fund family vacations. Repair your ride. Pay college costs. Consolidate debt. It’s your call.

All your funds — all up front.

A home equity loan comes in one simple sum. So, you know you’ll have enough funds on hand to achieve your goal. Whatever your goal may be.

• The equity in your home is used as collateral to secure the loan
• The rate is fixed for the term of the loan
• Loan amounts start at $10,000
• The interest paid may be tax deductible1
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

How can I apply for a Home Equity Loan?

You can apply online in just a few minutes. Once an application is submitted, you’ll hear back from a CSB Representative in one to two business days. Or, if you prefer, you can come into one of our convenient branch locations and work with a Relationship Banker to fill out the application.

What are your current Home Equity Loan rates?

Check out our Rates Page for all of our current loan rates.

What is the difference between a Home Equity Loan and a Home Equity Line of Credit?

A Home Equity Loan is a fixed rate term loan. Which means you will receive the full amount of your loan in one sum and repay your loan with monthly payments that remain equal over a fixed period. A Home Equity Line of Credit, or HELOC, is a revolving line of credit. You can draw from your line of credit as needed up to your credit limit. You only make payments on the amount you have drawn.

*APR =Annual Percentage Rate. Rate as of 3/9/2026 and subject to change without notice. Offer applies to 1-4 family, owner-occupied primary residences and condominiums only. Not available for homes currently for sale or intended to be sold within 6 months of closing. Minimum loan amount $10,000.00. Maximum loan amount $500,000.00. Maximum Loan to Value (LTV) 75%. Appraisal required for loan amounts exceeding $400,000.00 at applicants’ expense. Appraisal may be required for loan amounts $400,000.00 and under at applicants' expense. Fees for opening account range from $0 to $575. Monthly payment is based on an interest rate of 6.50%/6.50% APR for 180 months, payment per month on a loan amount of $100,000 is $871.11. Payment does not include taxes and insurance which would make the payment greater if included. Other rates and terms available. Offer may be withdrawn at any time. Other restrictions may apply. All applicants are subject to complete underwriting based on program guidelines. Loans subject to credit approval.

1Consult a tax advisor.