A Harvest of Low Rates and Big Possibilities

Turn Over a New Leaf This Fall!

Get ready for both the extraordinary and the unexpected with a Home Equity Line of Credit (HELOC). By borrowing against the equity in your home, you’ll have flexible funds at your fingertips—perfect for cozy fall projects, consolidating debt before the holidays, or covering life’s big expenses.

Act now to enjoy our low, limited-time promotional rate on a new or renewing HELOC!

This special Home Equity Line of Credit includes:

• Flexible access—borrow only what you need, when you need it

• Minimum line of credit of $10,000 (no maximum!)

• $250 in closing costs covered by Highland Bank

• A fixed rate for the first 12 months, then APR* at prime – 0.25%

Harvest the possibilities—apply today!

*Annual Percentage Rate (APR) is accurate as of 9/22/2025. The APR is a variable rate, subject to change. An introductory rate discount of 1.26% will be effective for 12 months beginning from the date of the loan.  For the first 12 months, the variable APR may be as low as 5.74% APR.  After the introductory period ends, variable APR during the remainder of the draw period may be as low as 7.00% APR (Prime – 0.25%) with a floor of 3.99% APR. Rate offer is available on new home equity lines of credit with a minimum loan amount of $10,000 or renewing home equity lines of credit with limit increases of at least $10,000. Offer requires automatic payments from a new or existing Highland Bank checking account. Maximum loan amount and loan-to-value (LTV) limits dependent upon borrower qualifications and property value.  Minimum and maximum APR that can apply during plan is 3.99% and 18.00% respectively.  240-month term, 120-month draw period and 120-month repayment period. Interest only payments during draw period.  Property evaluation is required.  Appraisal required only when loan amount is greater than $250,000.  Lender Credit of $250.00, borrower pays all other fees.  Early termination fee of the lessor of 1.00% or $500.00 will be assessed if the loan is terminated within 12 months of closing.  Property insurance required.  Offer subject to credit approval. Offer expires 11/21/2025.

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