Home Equity Line Limited-Time Special Offer

Enjoy an Introductory 2.99% Fixed APR for 6 Months, After That, a Competitive Rate of Prime Plus 1% - 2% Variable APR.* Expires 5/31/2014. 

Take Advantage of the Equity You’ve Built in Your Home.

  • Make Home Improvements
  • Pay College Tuition
  • Buy A New Car
  • Pay Off High-Interest Credit Card Debt

A Home Equity Credit Line from California Bank & Trust Gives You Easy Access to the Funds You Need.

Whether you wish to consolidate debt to lower your monthly payments, create more comfort and value in your home, or pay for a loved one’s education, a home equity credit line is a smart way to finance life’s necessities. A CB&T Home Equity Credit Line provides you with the flexibility to pay for expenses by simply writing a check. You will only be charged interest on the amount you’ve borrowed and you can pay it back at any time. Plus, your interest may be tax-deductible. 

Convert your home’s equity into the funds you need and take advantage of our limited-time, special introductory 2.99% Fixed APR for 6 months, after that, a competitive rate of Prime plus 1% - 2% variable APR* with no annual fee.


Connect With a CB&T Banker for an Application at (800) 355-0507.

Or, Are You a Current CB&T Customer?

If so, you can also apply online using your DirectNET Consumer Online Banking account or by phone with TeleLoan at (800) 429-7685.

Please have this 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
  • Two-year employment history, plus employer(s) names/phone numbers
  • Gross monthly income
  • W-2 (1 year) and current pay stubs; if self-employed, last 2 years' tax returns
  • Value of collateral (i.e. real estate, stock, savings account, etc.)
  • Copies of real estate deed(s) or current loan statement(s)
  • Name/phone number of nearest relative(s) not living with you
* Advertised APR is subject to change without notice. Important terms and conditions for advertised loan: Advertised 2.99% Introductory APR is fixed for the first 6 months, after that, 4.25%-5.25% variable APR based on credit worthiness. The variable APR is subject to change without notice and is based on Prime Rate as stated in the Wall Street Journal plus a margin (3.25% as of 3/28/14). If the variable rate adjusts, the maximum APR will not exceed 16%. 
1) Minimum credit line amount of $10,000.00 required to obtain advertised APR. 
2) Collateral must be owner-occupied single-family residential property, including condos, townhomes, and duplexes located in California with a maximum 80% loan-to-value. Properties for sale not eligible. 
3) Property insurance required.  
4) Applications must be submitted between 11/1/2013 and 5/31/2014. Offer not available for existing CB&T Home Equity Credit Lines or CB&T Home Equity Credit Line refinances. 
5) Subject to credit approval; other terms and conditions apply; offer is subject to change any time. Other rates and terms are available. 
6) Consult a tax advisor regarding the deductibility of interest. Fees: No fees for lines of credit $250,000 of less. For lines of credit over $250,000, borrower is responsible for 3rd party closing costs that may range from ($500 - $3,000). An early closure fee of $500 will apply if line is closed within 36 months. Minimum draw amount is $300. Contact your local branch for details.