Home Equity Loans
Stay smart about your home equity.
Activating your home equity is a big decision. Together, we can make sure it’s always working to your financial advantage. With a low-cost Home Equity Loan or HELOC from Middlesex Savings Bank, you can access the funds you need as a lump-sum loan or a line of credit similar to a credit card.
Home Equity Line of Credit (HELOC)
It would be nice to know exactly when you'll need extra money. But life's expensive moments tend to be unpredictable. That's why it pays to have a low-cost source of funds you can draw on time and time again. When challenges and opportunities keep coming your way, Middlesex Savings Bank is right there with you.
- Credit lines starting at $20,000
- No application fee, no closing costs, no points
- No account relationship requirements
Home Equity Loan
Ambitious projects. Big purchases. Bigger ideas. Whether you're finishing your basement, furnishing a living room, paying tuition costs or planning a wedding, a Home Equity Loan is an affordable way to get the funds you need. When you need to make a financial plan and stick to it, Middlesex Savings Bank is right there with you.
- Home Equity Loans available with loan repayment terms of 5 to 30 years
- Fixed Interest Rates
- Minimum loan amount of $20,000
- No loan application fee or closing costs
Home Equity Application
Applying for a Home Equity Loan or HELOC online is easy with Middlesex Savings Bank. Just answer a few simple questions about yourself, your property and your finances. Please provide an accurate email address and phone number, and one of our friendly home loan specialists will let you know what to do next.
Home Equity Line Information: The Annual Percentage Rate (APR) is a variable rate of Prime minus 0.50% as published in the Wall Street Journal at the beginning of each monthly billing cycle, subject to a minimum rate of 3.50%. As of 12/11/2025, the Prime Rate was 6.75%. The maximum APR is 18%. $50 annual fee applies. Fee is waived with a Freedom Gold® Checking or Freedom Platinum® Checking account. Early termination fee of $400 will be charged if the home equity line of credit is closed within the first 24 months.
