Whether you are looking to make a large purchase, pay for home and energy improvements, or have reserves for unexpected expenses, a HELOC or Home Equity Loan can be a great option—especially with rates like these:

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Home Equity Line of Credit (HELOC): Home Equity Flex revolving loan program. $50,000 minimum, up to a maximum of $250,000, combined loan-to-value ratio will not exceed 80% for primary residences and 70% for year-round second homes. 10-year draw period followed by a 15-year repayment period. The APR will be equal to Wall Street Journal Prime Rate minus 1% for the first 12 months and then the discounted rate will end and the APR will equal the Wall Street Journal Prime Rate plus a margin of 0% thereafter. The maximum APR is 18% under this variable interest rate loan. No draw fee, no annual fee. Additional .25% reduction in interest rate is only available to consumers using autopay from a National Bank of Middlebury personal checking account.

Home Equity Loan (HE): 5-year home equity loan at 5.875 interest rate, APR 5.875% $5,000 minimum, up to a maximum of $250,000. Combined loan-to-value ratio will not exceed 80%.

Available for primary and second year-round 1-4 family homes. Customary closing fees are $430. An appraisal may be required at the owner’s expense. No penalty for prepayment. Loans are subject to credit approval. Offers are subject to change and promotions may end without notice.