Dream it. Design it. Do it.
Turn Possibilities into Realities with a Home Equity Line of Credit
Because rates are still low, but expected to rise, now could be a smart time to renovate your home, build a backyard oasis, pay tuition, or simply consolidate debt.
With our Home Equity Line of Credit1, you can:
- Easily turn your home's equity into funds you can use for almost anything.
- Only pay interest on the amount you borrow.
Prepare for Your Next Opportunity with an Advantage Line
Enjoy the additional peace of mind that comes with easy access to the cash you need, when you need it. Our Advantage Line is a flexible revolving line of credit that can help you stay ready for whatever comes your way—such as new projects, special purchases, or emergency expenses.
With our Advantage Line, you can:
- Get the funds you need by simply writing a check for $500 or more, and your checks are free.
- Use up to the maximum of your credit line without having to tie up assets as collateral.
- NO Limits on How You Use the Funds
|Home Equity Line of Credit||Advantage Line|
|2.49% fixed introductory APR for the first 9 months for your primary residence1, and variable APRs from 3.875% – 6.875% after that1.||3.75% fixed introductory APR for the first 9 months2, as low as 10.00% variable APR after that.|
|No origination fee for lines of credit up to $500,0001, and no access fees.||A lower rate and higher credit limit than most credit cards offer.|
|Interest may be tax deductible1.||No application fee.|
Our special introductory rates are available for a limited time only.
DirectNET℠ customers may apply online, simply login in to online banking to get started.
To start your application please complete our form below, and an experienced banker will contact you.
1Offer:Subject to credit approval; terms and conditions apply. Offer ends July 7, 2017. Offer not available for existing CB&T Home Equity Credit Lines or CB&T Home Equity Credit Line refinances. Minimum line amount is $10,000. Minimum draw amount is $300. Property insurance required. Offer subject to change at any time. See a banker for full details.
Collateral:Collateral must be an owner-occupied primary single-family residential property, including condos, townhomes, and duplexes, located in California with a maximum 80% loan-to-value.
APRs:APRs are effective as of May 15, 2017. Introductory 2.49% APR is fixed for the first 9 billing cycles. Advertised post introductory variable APRs may include the auto-pay discount of 0.25% and the Relationship Pricing discount of 0.25%. Variable APR is subject to change without notice and is based on the Prime Rate as published in The Wall Street Journal plus a margin. Maximum APR is 16%.
Fees:No third–party closing costs for lines $500,000 or less if property is a primary residence. For lines over $500,000 secured by a primary residence, and all lines secured by a secondary residence, investment property or rental property, borrower is responsible for third–party closing costs, which may range from $250 - $4,000, depending on line amount and other factors.
Tax Deductibility:Consult a tax advisor for deductibility of interest and charges.
2Offer:Subject to credit approval; terms and conditions apply. Offer ends July 7, 2017. Minimum line amount is $2,500. Minimum draw amount is $500. Offer subject to change at any time. See a banker for full details.
APRs:APRs are effective as of May 15, 2017. Advertised post introductory variable 10.00% APR includes the auto-pay discount of 0.25% and the Relationship Pricing discount of 0.25%. Variable APR is subject to change without notice and is based on the Prime Rate as published in The Wall Street Journal plus a margin. Maximum APR is 21%.
Fees:a $75 fee will be charged annually if there is a zero balance and no activity in the calendar year.