Think of it like a credit card, with limits based upon the equity of your own home. You can enjoy the flexibility of a credit line, and you're only charged interest when you use it. Our customers also have access to great interest rates that make borrowing even easier.
 

Ready to begin? Apply online in minutes.
 

Not sure you’re ready but want to learn more? Give us a call today at (800) 730-6603, or stop by any branch location.

Disclosure : Subject to credit approval. No Points. Credit line limits between $25,000 and $500,000. Maximum Combined Loan To Value (CLTV) is 80%. If existing first mortgage is non-GSB and exceeds $750,000, the maximum CLTV is 60%. Our Automatic Payment Feature is a convenient way for you to make your monthly payments directly from checking account maintained at Guilford Savings Bank. If the Automatic Payment Feature is not maintained, we would add a margin of 0.25 percentage to the Prime Rate to determine your APR each month. Using that formula, the current APR would be 5.00% (based upon current Prime Rate as published in the Wall Street Journal as of 6/16/22). The maximum APR is 17% and the minimum APR is 3%. An annual membership fee of $50 is required. An Early Termination Fee will be required if the Account is terminated within the first 2 years. Homeowner's insurance required. For credit limits in excess of $250,000, you must pay for a full appraisal (appraisal costs can range from $450 to $720). If property held in trust, trust review fee ($300) and attorney closing fees (Estimated $650-$850) will apply. Homes for sale or intended for sale within the next six months are not eligible for this promotional product. Other terms and conditions apply. For more information, see a bank representative.