Home Equity Loans

Financing for what really matters.

Use the value of your home to finance important expenses. Make home improvements. Fund family vacations. Repair your ride. Pay college costs. Consolidate debt. It’s your call.

All your funds — all up front.

A home equity loan comes in one simple sum. So, you know you’ll have enough funds on hand to achieve your goal. Whatever your goal may be.

• The equity in your home is used as collateral to secure the loan
• The rate is fixed for the term of the loan
• Loan amounts start at $10,000
• The interest paid may be tax deductible¹
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

How can I apply for a Home Equity Loan?

You can apply online in just a few minutes. Once an application is submitted, you’ll hear back from a CSB Representative in one to two business days. Or, if you prefer, you can come into one of our convenient branch locations and work with a Relationship Banker to fill out the application.

What are your current Home Equity Loan rates?

Check out our Rates Page for all of our current loan rates.

What is the difference between a Home Equity Loan and a Home Equity Line of Credit?

A Home Equity Loan is a fixed rate term loan. Which means you will receive the full amount of your loan in one sum and repay your loan with monthly payments that remain equal over a fixed period. A Home Equity Line of Credit, or HELOC, is a revolving line of credit. You can draw from your line of credit as needed up to your credit limit. You only make payments on the amount you have drawn.