Take advantage of your home’s equity

Home Equity Line of Credit (HELOC) Limited Time Promo

12-month introductory rate of 5.99% APR*— Rate will adjust to as low as 7.00% APR after promo period ends

G.W. Jones Exchange Bank is offering a home equity line of credit (HELOC) that allows you to use your home’s equity for anything that you would like.  You can choose to do home improvements, consolidate high-interest rate debt, take a vacation or whatever your heart desires.  With a HELOC, you can borrow against the current value of your home.  The loan is a revolving line of credit, which allows you to pay back the loan and reuse as needed. Interest may be tax deductible.

Draw period is 60 months with a variable rate, variable payment and interest only payment.  Home Equity Line of Credit (HELOC) is all due and payable after the 60-month term.

All loans subject to approval.  Rates, fee and terms subject to change and may be terminated at any time.  Consult a tax advisor regarding the deductibility of interest.

*This promotional, introductory Annual Percentage Rate (APR) applies only to new loans and owner-occupied residences.  Rate is effective as of December 2, 2025.  The HELOC will convert to a variable rate after the first 12 months.  The APR is based on the WSJ prime rate (currently 7.00%) and may adjust monthly.  After the introductory period, the APR can range from 5.00% to 18%.  Approval may vary based on credit history, term and security offered.  Minimum qualifications for the introductory rate include 80% maximum combined loan to value.  Other restrictions may apply.  Loan programs, rates, terms and conditions are subject to change at any time without notice.  Estimated fees and third-party fees are $900; contact us for a good faith itemization of such fees.  Proof of acceptable hazard insurance will be required.

NMLS# 467054