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Home Equity Rates

Home Equity Lines of Credit




    LOAN AMOUNT 
  ANNUAL PERCENTAGE RATE 
$25,000 - $74,999 Prime rate + 0.99% 5.24%
$75,000 - $124,999 Prime Rate - 0.26% 3.99%
$125,000 - $1,000,000 Prime Rate - 0.51% 3.74%
Prime Rate is 4.25% as of June 15, 2017

The Annual Percentage Rate (APR) quoted is the lowest rate available as of June 28, 2017.  Subject to credit approval.

Advertised rates require monthly automatic repayment from a Rockland Trust checking account. Other loan programs for this type of credit are offered by Rockland Trust that do not include automatic repayment features. APR is subject to change and may increase after consummation. The corresponding APR will never be less than 3.74% or more than 18.00% per annum.

Advertised rates available for 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by an on-line statistical appraisal acceptable to the Lender. If the line amount exceeds $250,000 or an on-line value is not available, a certified property appraisal may be required. Credit lines in an amount of $30,000 up to $1,000,000 require an initial draw at time of closing of $30,000 in order to obtain the advertised rate. For line amounts less than $25,000, a $350 application fee will be charged.

Hazard insurance is required. Flood insurance may be required. If you pay off the entire balance and close your line of credit account within 24 months of consummation, a $500 early termination fee may be charged. Other restrictions may apply. See a Banker for details.

Express Mortgage Rates


  ANNUAL PERCENTAGE RATE 
    LOAN AMOUNT
5 YEARS 10 YEARS 15 YEARS 20 YEARS
$25,000 - $49,999 4.375% 

4.500% 

4.500% 

4.625% 
$50,000 - $74,999 4.125% 

4.250%  

4.250% 

4.375%  

$75,000 - $149,999 3.375% 

3.500%

3.750%

3.875% 

$150,000 - $400,000 3.250% 

3.500%

3.625% 

3.875% 

The Annual Percentage Rate (APR) quoted is the lowest rate available as of June 28, 2017. Subject to credit approval.

Advertised rates listed above require automatic repayment from a Rockland Trust checking account. Other loan programs for this type of credit are offered by Rockland Trust that do not include an automatic repayment feature. Express Mortgage is available for loan amounts between $25,000 and $400,000. Loan must be used for refinancing property and must be in first lien position. Published rates do not apply to loans used to refinance or pay down existing Rockland Trust Mortgage or Home Equity Debt.

Advertised rates available for 1 – 4 family owner occupied properties and second/vacation homes with a Loan to Value ratio (LTV) of 80% as determined by an on-line statistical appraisal acceptable to Lender. If the loan amount exceeds $225,000, or an on-line value is not available, a certified property appraisal may be required. For loan amounts less than $25,000, a $350 application fee will be charged.

Hazard Insurance is required. Flood insurance may be required. A $150,000 Express Mortgage with an APR of 3.875% and a term of 20 years would have a monthly payment per thousand of $5.99. Payment example does not include taxes or insurance premiums. Actual payment obligation will be greater. Other restrictions may apply. See Banker for details.

Home Equity Loan Rates


  ANNUAL PERCENTAGE RATE 
    LOAN AMOUNT
5 YEARS 10 YEARS 15 YEARS 20 YEARS
$25,000 - $49,999 4.99% 

4.99% 

5.59%

5.69% 
$50,000 - $74,999 4.75%

4.75% 

5.09% 

5.59% 

$75,000 - $400,000 3.99% 

4.34% 

4.74% 

4.99% 

The Annual Percentage Rate (APR) quoted is the lowest rate available as of June 28, 2017. Subject to credit approval.

Advertised rates require monthly automatic repayment from a Rockland Trust checking account. Other loan programs for this type of credit are offered by Rockland Trust that do not include an automatic repayment feature.  Home Equity Loan is available for loan amounts between $25,000 and $400,000.

Advertised rates available for 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by an on-line statistical appraisal acceptable to Lender. If the loan amount exceeds $250,000 or an on-line value is not available, a certified property appraisal may be required.  For loan amounts less than $25,000, a $350 application fee will be charged.

Hazard insurance is required. Flood insurance may be required. A $150,000 Home Equity Loan with an APR of 4.99% and a term of 20 years has a monthly payment per thousand of $6.59. Payment example does not include taxes or insurance premiums. Actual payment obligation will be greater. Other restrictions may apply. See a Banker for Details.

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1. Calculator is for estimation purposes only. Actual loan amounts may vary based on borrower's unique circumstances.