Home Equity Loans

Summer Loan Sale

Home Equity Loan

Home equity loans are a great way to use the value of your home to finance home improvements, pay off higher-interest debt or take a vacation. The rate and term are guaranteed for the length of the loan. You’ll enjoy the convenience of affordable monthly payments over a fixed time period. Consult with a tax advisor to determine whether the interest you pay is tax-deductible.  

Current Home Equity Term Loan Specials:

Rates as Low as


  • Historically low rates
  • No checking account required
  • Low minimum loan amounts or new money of $10,000

Contact a banking center or check rates and apply online.  Apply Now

Home Equity Line of Credit

A revolving flexible credit line for your use to meet all of your borrowing needs. With a Home Equity Line of Credit (HELOC), you determine when and how much money is borrowed at any time, for any reason. A payment due under the Home Equity Line of Credit agreement is billed monthly based on how much is borrowed and the interest is subject to change periodically. Accessing your Home Equity Line of Credit is as easy as using a checking account – you simply write a check. Consult with a tax advisor to determine whether the interest you pay is tax deductible.

Rates as Low as


  • Historically low rates
  • Access funds by writing a check
  • Convert to a low fixed rate with HELOC Flex!

Contact a banking center or check rates and apply online.  Apply Now


Mars Bank HELOC Flex The simplicity of a Line of Credit. • Ongoing access to funds whenever a need arises • Simply write a check to access your line of credit • Five or ten year option for line of credit draw period

  • Option to lock into a fixed rate on balances during the draw period
  • Up to three flex rate locks with a due date of your choosing
  • No re-application and low or no fee for conversion

Available to new and existing Mars Bank line of credit customers. Lock in a great rate at any time for all or part of your Home Equity Line of Credit balance! Contact a Banking Center for more information.

*Annual Percentage Rate

Home Equity Line of Credit has a variable Annual Percentage Rate (APR) based on The Wall Street Journal Prime Rate (“Prime”) published on the last business day of the month, (3.25% APR as of 6/30/2021). Maximum APR 21%. Minimum APR 3.00%.

Obtaining the best rate requires the following criteria to be met: 1) A new home equity line of credit application, 2) A line amount of $10,000 or more, 3) A loan-to-value (LTV) of 80% or less, and 4) Strong creditworthiness.

Eligible properties include owner-occupied 1-to 4-family properties, condominiums, and 2nd/vacation homes. Property must be located in Pennsylvania. Home equity lines of credit are available in first or second lien positions.

Property insurance required. Flood insurance may be required. No annual fee for the first year, then $50 per year thereafter during the Draw Period.

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To Report a Lost or Stolen ATM Card or Mars Bank Debit/Check Card, Please call: 1-800-472-3272. Protect your debit card with Card Valet.

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To Report a Lost or Stolen Mars Bank Credit Card, Please call: 1-800-883-0131.

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