Home Equity (Closed-End) Loan
(Second Mortgage)

As of March 1, 2025

The Fixed Rate Home Equity Loan - 2nd Lien Position Only rates listed below are for Owner Occupied and Non-Owner Occupied One to Four Family Homes.

Not all rates are posted.  Please contact our mortgage professionals for additional information.

Home Equity Loan Secured by 1 to 4 Family Dwelling

Home Equity Loans (Closed-end):
Cross County Savings Bank offers Home Equity Loans with terms of 10, 15, or 20 years.
All loan products are subject to credit and property approval. All mortgage loans are originated by Cross County Savings Bank. This Rate Sheet does not represent any offer to enter into a loan agreement.
Fees and prepayment charges may apply depending on the loan product you select. Fees are subject to change.
Refinancing to payoff existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid.
Other terms, conditions and restrictions may apply. Please contact our mortgage professionals to inquire about all of the conditions that apply to the loan product that you are interested in.
The annual percentage rate (APR) is the annual rate charged for borrowing, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.
LTV is a number that describes the amount of the loan as a percentage of the value of the property securing the loan.
Property insurance is always required and flood insurance may be required, when necessary.
Certain property types are not eligible as collateral.
The maximum line amount is $208,500.00 for a Home Equity Loan.
The borrower is responsible to pay all closing costs for Home Equity Loans. All Home Equity loans must be secured by a 2nd position lien only.
PLEASE NOTE THAT ALL RATES ARE SUBJECT TO CHANGE AT ANY TIME.