With home values increasing, now’s the perfect time to use your home’s equity to do the things you want to do. HSB can help with our Home Equity Line of Credit (HELOC).  Right now, our HELOC offers a low, introductory rate of just 5.99% APR* fixed for 6 months, with a variable rate as low as Prime* thereafter. 

With our great rate, you’ll enjoy affordable payments that perfectly fit your budget. You can borrow what you need when you need it, and use your funds to:

• Make home improvements
• Purchase a new vehicle
• Pay for education
• Take a dream vacation
• Consolidate higher-interest debt   
• And more!

We also make it easy to apply. You can stop by any of our branches to speak with an experienced Loan Officer. With our personal service and fast, local approvals, you can get the funds you need when you need them.

Of course, we have other lending options, too. From Vehicle and Boat Loans to CD or Savings Secured Loans, we’ll help you find the right loan to meet your financial needs.

Don’t miss our great rate.
Unlock your home’s equity today!

Questions? Call us at 410-749-1185 or stop by your nearest branch location.

 

*APR = Annual Percentage Rate. APR is variable and based on the Wall Street Journal Prime rate + 0% APR.  Prime rate is 6.75% as of 12/11/2025.  Interest and payments may be adjusted on the first of the month. 21% lifetime cap. A 10-year draw period with interest only payment. After 10-year draw period, loan has a 15-year principal and interest repayment period. Rates for Home Equity Variable Rate Line of Credit are based on a maximum combined loan-to-value (CLTV) of 85%. The appraised value multiplied by 85%, less the remaining balance on any existing mortgage. Customer to pay certain fees to third parties such as appraisers, credit reporting firms and government agencies.  The combined amount of all third party fees for a line of credit generally total between $949 ($10,000 line) and $6,104 ($500,000 line).  Property insurance is required. Flood insurance may be required if collateral property is located in a Flood Hazard Area. Title insurance may be required and to be paid by the borrower. Products, services, terms and conditions are subject to change without notice. All rates are subject to change at any time. All loans are subject to creditworthiness. NMLS Company ID # 410749.