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Home Equity Loans & Lines of Credit Your house has the ability to transform into a college, a Caribbean island, or a personal ATM machine.

Use the equity in your home to secure a low-rate loan or line of credit with The Ohio State Bank.

The interest is typically tax deductible. Save more money with a rate discount for automatic payments. Use the loan for almost anything, including debt consolidation. The funds are right under your feet.


  • • Competitive rates
  • • Interest is typically tax deductible*
  • • Local decision-making
  • • Local servicing makes process easier
  • • Use funds for most anything
  • • Rate discount with automatic payment through Ohio State Bank account

Home Equity Loan
  • • Fixed rate, fixed term
  • • Funds disbursed up front in lump sum
  • • Consistent monthly payments

Home Equity Line of Credit (HELOC)
  • • Pre-approved, variable rate credit line
  • • Use funds as needed
  • • Re-access without re-applying
  • • Interest only on what is used
  • • No application fee

*Consult a tax advisor.

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