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Home Equity Lines of Credit

It's time your home paid you back.

You've probably invested a lot of time improving your home in Massachusetts or Rhode Island. Now that its value has increased, you can borrow against it to address other expenses or projects.

With our Home Equity Line of Credit, you'll get the funds you need at a competitive rate that makes your money go further.

Featured Home Equity Line Rate

Current Home Equity Line of Credit Rates  open an account online

$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.

Best if you need: Access to a revolving line of credit with the flexibility to meet needs as they arise.

Interest Rate Type:  Variable Interest rate is based on the published Prime Rate and may change monthly.

Repayment:  Happens in variable monthly payments based on the amount outstanding and the current Prime Rate.  As the line of credit is repaid, funds become available for reuse.

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The application process is quick and easy, and we're always happy to talk you through it.

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Additional Resources

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Home Equity Calculator¹

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