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    Torrington Savings Bank team accepting Best Places to Work Award

    TSB Recognized as ‘Best Place to Work’ by the Hartford Business Journal

    Foundation check presentation to LARC

    Torrington Savings Foundation Awards Over $107,000 in Support of Education

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    Torrington Savings Bank team accepting Best Places to Work Award

    TSB Recognized as ‘Best Place to Work’ by the Hartford Business Journal

    Foundation check presentation to LARC

    Torrington Savings Foundation Awards Over $107,000 in Support of Education

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Home Equity

Get a Home Equity
Line of Credit

Using the equity in your home can be an easy and low cost way to have access to cash when you need it. It works like a credit card – but with an interest rate tied to prime, it’s generally less than half of the interest you would pay using a credit card.

Apply Now
Home Equity Line of Credit Details

Annual fee after the 1st year is $35. Maximum LTV is 80%. Homeowners insurance is required; flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Consult with your tax advisor to learn more about the potential for a tax deduction on the interest. Home Equity Lines are not eligible for remote closings. If your loan is approved, you will need to schedule a convenient time to sign the loan documents in a TSB branch.

With a HELOC, you can get credit for being a homeowner.

A Home Equity Line of Credit (HELOC) is a form of revolving credit that allows you to access cash based on the equity value in your home.

It works like a credit card in that you pay it back and can use it again over the life of the loan. The money can be used for whatever purpose you choose: home improvements or repairs, college tuition, vacations, debt consolidation or anything else you want.

Even better, at Torrington Savings Bank there are no closing costs, application fees or appraisal fees associated with our HELOCs. And we even offer the option to be able to tap into up to 100% of the value of your home.

Features of TSB Home Equity Line of Credit

  • No Closing Costs
  • No Application Fees
  • No Appraisal Fee
  • Adjustable interest rate of Prime Rate Minus 0.500%
  • No Penalties on Early Principal Repayment
  • Minimum loan amount $5,000
  • Maximum loan amount $250,000

Home Equity Line of Credit

Effective Date: March 24, 2023

Apply Now
RatePrime Rate as published in the Wall Street Journal -0.500% (HELOC rate currently 7.50%), subject to change
PaymentMinimum monthly payment will be based on interest due
Term10 years draw period followed by a 15 year amortized repayment period
Learn More

Home Equity Line of Credit Details

Annual fee after the 1st year is $35. Maximum LTV is 80%. Homeowners insurance is required; flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Consult with your tax advisor to learn more about the potential for a tax deduction on the interest. Home Equity Lines are not eligible for remote closings. If your loan is approved, you will need to schedule a convenient time to sign the loan documents in a TSB branch.

Home Equity Line of Credit Details:

Annual fee after the 1st year is $35. Maximum LTV is 80%. Homeowners insurance is required; flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Consult with your tax advisor to learn more about the potential for a tax deduction on the interest. Home Equity Lines are not eligible for remote closings. If your loan is approved, you will need to schedule a convenient time to sign the loan documents in a TSB branch.

Featured Products

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Gain Flexibility with a Collateral Loan

Use your savings to gain flexibility and to borrow at a great rate.

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10% Down, NO MI

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