Home Equity Line of Credit Rates

Home Equity Line of Credit (HELOC) with a Combined-Loan-to-Value of 80% or Less

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Type	APR*	Rate Parameters*
10-Year Draw Period, followed by 15-Year Repayment Period	5.75% for first 12 months, thereafter, variable rates as low as 6.25%	Rate based on current prime rate minus a margin of 0.50% with a floor rate of 3.25%.

*Annual Percentage Rate (APR): Promotional Rate of 5.75% is fixed for the first twelve months, followed by a variable rate which is adjusted monthly based on the Prime Rate as published in the Wall Street Journal minus 0.50%. Prime is currently 6.75%. Minimum APR is 3.25% with a maximum APR of 18.00%. Rate quoted is for owner occupied 1-4 family properties, owner occupied residential condominiums and second homes with a maximum CLTV of 80% of the appraised value. Promotional Rate, Variable Rate and Margin are based on credit scores 680 and above. Ask a Bank Representative for additional details.

Fixed Rate Advance Loans with a Combined-Loan-to-Value of 80% or Less

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You can convert all or portion of your balance to a Fixed Rate during the term of the draw period. A maximum of three (3) Fixed Rate Advances are allowed at one time.

Prime Rate as of:

12/11/2025

6.75%

The Cornerstone Bank Home Equity Line of Credit (HELOC) product has a variable periodic rate. Payment plans are 10 years interest only with a minimum monthly payment of $50.00 during the draw period, followed by 15-year repayment period of principal and interest payments. An early termination fee of $500.00 will be assessed at the time of payoff if the line of credit is closed within 36 months of the date of the Note. Property insurance is required.

The Home Equity Line of Credit product has a maximum Combined-Loan-to-Value (CLTV) ratio of 80% with an interest rate based on prime rate minus a margin of 1.00%. The minimum credit limit you can apply for is $10,000 with a maximum line amount of $350,000. Existing Cornerstone Bank Home Equity Line of Credit customers must apply for and be approved for an increase in their current line by at least $20,000 to qualify.  Lines from $10,000 to $250,000 have a maximum CLTV ratio of 80%. Lines from $250,001 to $350,000 have a maximum CLTV ratio of 70%. Chapter 61 properties have a maximum CLTV ratio of 70%. For line requests below $250,000, the Bank will use its standard method to determine the value at no cost. You have the option to pay for a full appraisal if you choose to. Full appraisals are also required at borrower’s expense for line amounts greater than or equal to $250,000, over 10 acres of land or held in Chapter 61, 61A or 61B. Appraisal fees range from $500 to $690 depending on the type of property. The fee may be forfeited on withdrawn or denied applications.

For line requests less than $250,000, the standard closing and recording costs will be paid by the Bank. You are responsible to pay for any additional fees above the standard closing costs, including but not limited to, Trust reviews and recording, deed preparation and recording. You are also responsible to pay for all closing costs for line requests greater than or equal to $250,000. Standard closing and recording costs will range from $0.00 to $1,559.60 and will vary based on the line amount requested.

An additional 0.25% rate reduction is available with autopay deduction from a Cornerstone Bank deposit account. To take advantage of this discount, automatic payment must be established prior to first payment. By signing up for our automatic payment deduction, you authorize us to initiate drafts from the checking or savings account that you designated at the time of enrollment. Your loan payment draft will occur on the date specified on the automatic payment form or the next business day if the specified date is a nonbusiness day. Funds must be available in your bank account at the time we initiate your loan payment draft. Termination of the automatic payment will result in loss of the 0.25% rate reduction.

Loan offer is subject to credit approval and other terms and conditions apply. Consult a tax advisor regarding the deductibility of interest. This offer may be withdrawn at any time. Rate is effective as of [Today’s Date] and is subject to change.