Home Equity Line of Credit

Use your home for all it’s worth.

Don’t let your home’s equity just sit around the house.

What's the best thing to do with all that equity in your home? Put it to good financial use. And one of the best ways to do that is with a Home Equity Line of Credit[cite::272::cite] [cite::268::cite] [cite::60::cite] (HELOC) from California Bank & Trust. Our HELOCs offer competitive rates, flexible loan amounts and accommodating repayment terms.

Use your home’s equity to take advantage of a promising opportunity or tackle a new project. Whether it’s building a home office, learning a new career, or simply consolidating debt, our home equity line of credit could be the ideal financing tool.

Enjoy a Home Equity Line of Credit with a low Introductory 1.99% Fixed APR for the first six billing cycles on first lien primary residences, 4.050%-5.425% variable APR thereafter. [cite::272::cite] [cite::268::cite] [cite::60::cite] [cite::61::cite]

For vacation homes and second lien primary properties, enjoy an Introductory 2.49% Fixed APR for the first six billing cycles, 4.050%-6.425% variable APR thereafter. [cite::272::cite] [cite::268::cite] [cite::60::cite] [cite::61::cite]

Features Include:

  • Loans are available up to $2,500,000[cite::268::cite]
  • Access flexible financing for practically any project

You may be eligible for an additional interest rate auto-pay[cite::269::cite] discount of 0.25% by making automatic payments from your CB&T deposit account. Maintain two or more qualifying CB&T accounts and receive an ongoing interest rate Relationship Pricing[cite::63::cite] discount of 0.25%.

You have several options to apply:

  • You can use our  “Apply Now” link to reach our online application. 
  • If you are a current customer and have DirectNETSM Consumer Online Banking, you can also reach the online application by logging in and selecting Apply Now from the Services tab. 
  • You can also apply in person by finding a branch near you, or 
  • By calling TeleLoanTM at (800) 429-7685. Please have the following information ready when you call TeleLoan: 
    • Social Security Number and date of birth (borrower and co-borrower) 
    • Home address and phone number/mailing address if different from home 
    • Previous address if at residence for less than 2 years 
    • Gross monthly income 

Disclosures