Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice)
IMPORTANT: California Bank & Trust will be making security upgrades to our digital systems on Tuesday, June 23, 2020. To see how you can be prepared for this update, please click here.
Use your home for all it’s worth.
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 (HELOC) from California Bank & Trust. Our HELOCs[cite::59::cite] [cite::56::cite] offer competitive rates, flexible loan amounts and accommodating repayment terms. All of which make this a great time to use your equity to tackle a new project, make a major purchase, remodel the home front or consolidate debt.
Enjoy a Home Equity Line of Credit with a low Introductory 2.74% Fixed APR for the first six billing cycles on primary residences, after that, 3.750%-6.125% variable APR.[cite::60::cite] [cite::61::cite] [cite::62::cite]
Loans are available up to $2,500,000 and we offer competitive variable interest rates.
After the Introductory period, you may be eligible for an additional interest rate auto-pay discount of 0.25% by making automatic payments[cite::62::cite] from your CB&T 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:
○ 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