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Home Equity Rates

Home Equity Loans

Effective Date: May 21, 2025

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Rate APR
Home Equity Loan – 20 Year 7.000 7.000
Home Equity Loan – 15 Year 6.750 6.750
Home Equity Loan – 10 Year 6.250 6.250
Home Equity 100 – 20 Year 10.250 10.250
Home Equity 100 – 15 Year 10.000 10.000
Home Equity 100 – 10 Year 9.500 9.500

Home Equity Loan Details

Properties listed for sale are not eligible for this program. Loan must be secured by a first or second lien on primary residences. Properties with underground fuel storage tanks are not eligible. Auto-Pay from a Torrington Savings Bank Account is required on all Home Equity 100 products. Payment example: $100,000.00 loan at 4.75% for 240 months (20 years) is a monthly payment of $646.22. Property insurance is required. Flood insurance may be required. Consult with your tax advisor to learn more about the potential for a tax deduction on the interest. Home Equity Loans 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. Not all borrowers will qualify to borrow up to 100% of the value of their home; contact us for details.

Home Equity Line of Credit

Effective Date: May 21, 2025

Apply Now
APRPrime Rate as published in the Wall Street Journal -0.500% (HELOC rate currently 7.00%), 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 Annual Percentage Rate (rate cap) of 18%. 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.

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