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Digital Banking

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home equity

You’ve put a lot of love into your home. It’s time to let it give a little back to you. We can help you borrow against the equity in your home for things like building an addition, updating the kitchen or bath, paying for your child’s college tuition or purchasing a car.


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Home Equity Line of Credit Special

AD- Special intro rate Fixed for 6-months No Closing Costs, see disclosure below for additional details
1 All loans are subject to credit approval and program guidelines. The introductory rate is fixed for the first six billing cycles and is subject to change on the first day of the seventh billing cycle after closing ("Introductory Period"). After the Introductory Period the Annual Percentage Rate (APR) will be subject to change each billing cycle, however, it will never exceed 16% or fall below 0.00%. The monthly APR changes will be based on the Prime Rate as published in the Money Rates section of The Wall Street Journal plus a margin. The Prime Rate as of 12/15/22 was 7.50% and the rate shown of 6.25% is based on a $100,000 line of credit and a 85% Combined Loan to Value (CLTV). Other terms and rates are available and actual APR may vary based on amount of line and CLTV. The maximum CLTV cannot exceed 90%. Five Star Bank will pay the associated third-party fees at the time of closing. These fees generally total between $750 and $1,500. If the loan is terminated within 36 months of closing, you will be required to reimburse Five Star Bank for these fees. Hazard, flood and title insurance, if applicable, are required. Property must be in New York State.


The Five Star Home Equity Experience Graphic.