*Home Equity & Lines of Credit

When you need cash for home improvements, use your most valuable asset to get it.

Your home’s built-in equity can be a great resource. Whether you want to update your kitchen or remodel your bathroom, a home improvement loan from Cross Keys Bank is a great way to get started. Based on the value of your home, you can get a onetime loan to make a big purchase now or get a line of credit to spend as needed and save the rest for later.

We offer competitive interest rates with flexible terms and the application process is easy.

Home Equity Loans

A home equity loan is a type of loan that allows you to borrow against the equity in your home. 

Home Equity Line of Credit

A home equity line of credit is a line of credit that uses your home as collateral. Once your loan is approved and a loan balance is established, you can access your loan account by check or transfer request as you need it. 

All home equity loans and lines of credit are subject to credit approval. See a lender for complete details on our home equity programs.

*Real estate used as collateral must be the primary residence and located in Louisiana. As of July 27, 2023 the Prime Rate was 8.50% Annual Percentage Rate (APR). APR will vary based on the Wall Street Journal Prime as published in The Wall Street Journal. The maximum APR may not exceed 21% and the minimum APR will never be lower than 4%. The minimum line of credit is $10,000. Offer subject to credit approval. Closing costs may range from $0-1,500.  Cross Keys Bank checking account required. Property insurance is required and flood insurance, if applicable. Insurance costs are not included in closing costs. Consult your tax advisor regarding deductibility of interest. Offer subject to change or cancellation at any time.

Cross Keys Bank considers all qualified applicants without regard for race, color, religion, sex, national origin, marital status, familial status, receipt of public assistance or exercise of consumer rights.