The equity in your home can secure the borrowing power you need to obtain convenient financing for…debt consolidation, home improvements, college tuition or any good reason. You’ll save more with no application fees! Plus, the interest payments on your loan may be tax-deductible. Consult your tax advisor for details. We offer fixed-rate loans and lines of credit to meet your financing needs. And remember…your outstanding loan balance can help to offset monthly fees on a Relationship Checking Account!

Home Equity Loans
With a standard fixed rate home equity loan, you can borrow 80% to 100% of the value of your home. We offer a variety of flexible terms and payment options to make financing convenient and affordable…whenever you need it!

• KNBT’s great rates will help save you money with low, fixed monthly payments to meet your budget.
• Save even more with a .50% rate discount when payments are automatically deducted from a KNBT Checking Account.
• Feel secure knowing that Credit Life and Credit Disability Insurance are available to protect you and/or your family in the event that payments cannot be made on a KNBT Home Equity Loan due to death or disability of the insured borrower. Please ask us for more details when you apply for a loan.

Home Equity Lines of Credit
With a variable-rate Home Equity Line of Credit, you can enjoy the flexibility and convenience of accessing the cash you need, whenever you need it! This revolving line of credit is available with a minimum loan amount of $5,000.

• Simply write a check for the cash you need anytime, anywhere; or stop by a branch for quick cash advance.
• Enjoy convenient access to your line of credit account with KNBT OnLine Banking and PHONE-LINK.
• Receive free, personal KNBT line of credit checks!
• Choose from two convenient payment options. Refer to the “Important Terms of Our Home Equity Line of Credit” information below.
• Feel secure knowing that with Revolving Credit Life Insurance, the outstanding balance on a KNBT Home Equity Line of Credit is paid in full in the event of the death of the insured borrower. Please ask us for more details when you apply for a line of credit.

Important Information Regarding Home Equity Line of Credits
At KNBT, we are committed to providing convenient access to information that is necessary to help you make informed decisions regarding your financial needs. We strongly recommend that you review the following information prior to submitting your Home Equity Line of Credit application to KNBT. You may obtain a free, written copy of these disclosures at any KNBT branch location or by submitting your request in writing to: Keystone Nazareth Bank & Trust, Consumer Loan Department, 236 Brodhead Road, Bethlehem, PA 18017.

1. When Your Home Is On The Line
   
   
2. Important Terms of Our Home Equity Line of Credit Principal Payment Option and Interest Payment Option