Home Equity Loan Special


5-Year   -   2.75% APR*   -   Home Equity Loans (0 to 60 months)

10-Year   -   3.75% APR*   -   Home Equity Loans (61 to 120 months)

15-Year   -   4.125% APR*   -   Home Equity Loans (121 to 180 months)

*APR (Annual Percentage Rate) is accurate as of the date of publication and is subject to change. Rate is fixed for 60 months on 1st or 2nd lien position mortgages for qualified bor­rowers. Monthly payments per $1,000 borrowed are $17.86 for five (5) years, $10.01 for 10 years, and $7.46 for 15 years based on the rate and terms indicated. Payments are automatically made by Automatic Funds Transfer (AFT) from an HNB checking or savings account. Rate and APR is 0.5% higher for non-AFT (ACH or Coupon Book) payments. Fee of $175 plus the cost of appraisal and recording is waived for this offer. Title insurance (at borrower’s expense) is required on loans over $150,000. For NY State borrowers, the customer’s portion of NY State Mortgage Tax is at the borrower’s expense. Loans are for qualified borrowers. Maximum Loan Amount is $250,000 and up to 75% of the new loan may be used to refinance HNB debt. Other rates, APRs and terms are also available. Loans of $25,000 or more are entitled to a Signature Circle or The Chairman’s Club Account with the monthly fee of $4.95 or $3.95 waived for 6 months.


Signature Circle or The Chairman’s Club account monthly fee
will be waived for six (6) months with a new Home Equity Loan!

Save on HNB banking services, local entertainment, shopping, dining, and more!

Also, get discounts at regional venues!

Learn more about The Chairman’s Club or Signature Circle.

If you are already an HNB Club Member, your membership fee will be waived for six (6) months.


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