All Access Home Equity Line of Credit

Our All Access Home Equity Line of Credit allows you to use the equity you have in your home and turn it into cash.  Use it to remodel your house, take a dream vacation, send your son or daughter to college, or for any other reason you'd like!

By simply writing a check, you'll have the flexibility to draw funds when you need them, in whatever amount you need.  We even offer a flexible repayment plan that makes using the equity in your home hassle free.

Plus, for a limited time we're offering our All Access Home Equity Line of Credit with special terms:


  • 3.99% Annual Percentage Rate (APR) for the first 12 months
  • Variable rate after the first 12 months. Current rate is Prime -0.25%. Using that formula, as of 11/03/2022 the current APR would be 6.75%.
  • Auto-Pay feature from GSB Access account required
  • Must maintain the minimum draw of $25,000 for the first 12 monthly billing cycles.

Ready to begin?  Click Apply Now to securely apply online in minutes.

Want to learn more?  Give us a call today or stop by any branch location.  


Disclosure :

New All Access HELOC customers only. 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%. The introductory APR of 3.99% ("Introductory APR") is a promotional rate that is fixed for the first 12 monthly billing cycles ("Introductory Period") as long as you maintain a minimum balance of at least $25,000 on your line. If that minimum balance is not maintained throughout the entire Introductory Period, the Introductory APR may end early and your Account will begin to accrue interest based on a variable rate formula. In any event, once the Introductory Rate ends, your interest rate can change monthly and will be based on a variable rate formula. With that formula, as long as you maintain an Automatic Payment Feature, we will subtract a margin of 0.25 percentage points from the Prime Rate (as published in the Wall Street Journal as of of 11/03/2022). Using that formula, the current APR would be 6.75%. Our Automatic Payment Feature is a convenient way for you to make your monthly payments directly from an Access deposit account maintained at Guilford Savings Bank. 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. Offer may be withdrawn at any time. For more information, see a bank representative.

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Still have questions? We’re here to help. With our live online chat support, you can find the answers you need, whenever you need them. Whether you’re looking for financial advice or have a specific question about your account, don’t hesitate to contact us.

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