Offer available June 1, 2026 until July 31, 2026
We're all feeling the pinch with groceries, gas and economic uncertainty, but Reliance Bank can help you get the extra money you need. With a Fixed-Rate Home Equity Installment Loan or Home Equity Line of Credit, you're unlocking resources you already have.
The spare change you're looking for may already be at home
Big moments don't always wait for the perfect financial timing. A Home Equity Loan or HELOC can help cover important expenses when you need extra flexibility.
Common Uses:
- Debt Consolidation
- Building an Emergency Fund
- Home Improvements & Repairs
- Special Occasions
- Medical Bills
Disclosures
*Annual Percentage Rate (APR) quoted is current as of June 1, 2026 and can change at any time. To receive the offered rate, a minimum of $10,000 in new money and direct debit of loan payment from a Reliance Bank checking deposit account is required. Rates shown are for owner-occupied home equity financing, with a maximum Loan to Value of 89%, and are based upon a loan amount of $97,000 - the actual APR will vary based upon the final loan amount and finance charges. Payment per $1,000 is $8.36 and does not include taxes and insurance. Actual payment obligation will be higher. The borrower pays no closing costs. Interest per diem will be collected at closing. Credit subject to approval, and special rules and restrictions apply.
Home Equity Line of Credit
*Introductory 4.99% Annual Percentage Rate (APR) is fixed for the first three (3) months and will not increase during that period. After the first three (3) months and during the initial ten-year draw period, the rate will be variable based on the then-current Prime Lending Rate as quoted in the Wall Street Journal, with a margin of -.26% with a lifetime minimum APR of 2.99% and a maximum APR of 18.00%. The current APR without the introductory rate is 6.49%. After the ten (10) year draw period ends the rate will be fixed and will not change for the duration of the fifteen (15) year repayment period. The fixed APR during the repayment period will be based on the then-current Prime Lending Rate, as quoted in the Wall Street Journal with a margin of +2.00% and can range from a minimum APR of 4.00% and a maximum of 18.00%. The rates shown are current as of (December 11, 2025) and can change at any time, and require monthly payments to be deducted from a Reliance Bank deposit account. The minimum loan amount for this APR is $75,000, and applicants borrowing $25,000 or more must advance a minimum of $25,000 new money (money not used to refinance an existing Reliance Bank loan) when you open your line. Please ask about other rates and terms available for loan amounts less than $75,000. The borrower pays no closing costs. An Annual Assess Maintenance Fee of $35 will be due each year beginning on the first anniversary of the account opening date. Property Insurance is required. APR available for owner occupied 1st and 2nd Lien loans up to 89% Loan to Value. Credit subject to approval.