Freedom to use the equity in your home however you choose.

Let’s Get Started


No Closing Costs¹ · 2.24% APR² 6 Month Introductory Rate · 5.00% APR Variable Rate
  • • Borrow up to 89% of your home’s appraised value
    • Freedom to Lock-In up to Three Loans
    • 20 year term; 10 year draw period with interest only due monthly, and 10 year repayment period with principal and interest due monthly

    Easy. With the Freedom Home Line, you can borrow a master line of credit anywhere from $10,000 and above depending on the equity in your home. You can borrow up to 89% of the value of your home.
    Convenient. With the Freedom Home Line, you have the convenience of banking on your terms. Say you want to purchase a new car. Instead of applying for a car loan, you can simply roll over the money needed from your Freedom Home Line into your checking account. Write a check or use your debit card to pay for the motorcycle in full and ride that baby home.
    Flexible. With the Freedom Home Line, you have a few options you can use to make managing your household budget easier. Take the new car you just purchased. If you want to fix the car portion of your master line, you can! If you want to take 10 years to pay it back, you can! The Freedom Home Line allows you the option to lock in part or all of the line of credit’s outstanding balance at a fixed rate, for up to three sub-loans.

    ¹Title insurance and appraisal fees may apply and are not included in the Lender paid closing costs. ²2.24% 6-month introductory rate is for the first six monthly billing cycles after closing. Credit score greater than or equal to 700 required to receive rate. All lines require a minimum line of $10,000 with $10,000 new money, maximum combined LTV (Loan to Value) is 89%.  The regular variable rate will be based on .25% plus The Wall Street Journal Prime rate, currently 5.00% as of 9/19/19, and may vary monthly.  Prime rate plus .25% requires a credit score greater than or equal to 700.  To receive a .25% discount off the regular variable rate, automatic deduction from a Susquehanna Community Bank deposit account is required.  Standard underwriting criteria apply. Other rates and terms may be available.  The maximum Annual Percentage Rate (APR) is 18%.  This offer may change without notice.  This HELOC features the ability to lock a balance of the loan up to 3 times during the draw period. The current fee for each lock is $50.00. Lines are for personal, family and household purposes. Property insurance is required. Property must be primary residence and located in the Susquehanna Community Bank service area.  Flood Insurance required when applicable.  All loans subject to credit approval.

IDPROTECT®Identity theft can happen to anyone. It’s our top priority to help you better protect yourself, your family and your joint account holders.ID Protect

Learn More


CALL: 570-568-6851
During Normal Business Hours

We take pride in delivering a better banking experience across the Susquehanna Valley and beyond.
We’d love to hear from you!

Contact Us