Home Equity Line of Credit Special Offer

Apply Today and Take Advantage of Limited-Time Savings

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Flexible financing for life’s expected moments—and the unexpected ones.

Whether you’re realizing a dream or dealing with an emergency, Seneca Savings Bank, N.A. is here for YOU.

 

 

Home Equity Line of Credit Special Offer

For a limited time, unlock the power of your home’s equity with this special offer:

Priced at Prime minus 1% for 12 months.

*No Closing Costs.

No Annual Fee.

Offer valid on applications received from 3/1/26 – 5/31/26.

 

APPLY TODAY!

 

If you need more information before you are ready to apply, give us a call at (315) 638-0233 or visit your local branch.

What is a home equity line of credit (HELOC)?

A home equity line of credit (HELOC) is a line of credit secured by your home that gives you a revolving credit line. These funds can be used for home renovations, college tuition, debt consolidation, emergencies, or however else you see fit!

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Why a HELOC?

A Home Equity Line of Credit (HELOC) gives you flexible access to funds—so you’re ready for whatever comes next.

Use your HELOC to:

  • Make home improvements or long overdue repairs

  • Handle life’s unplanned expenses

  • Cover major milestones

  • Plan with confidence

  • Consolidate higher-interest debt

With a HELOC, you borrow only what you need, when you need it.

APR = Annual Percentage Rate. Estimated closing costs range from $320 to $5,690. Closing costs are waived if the line is maintained for three (3) years. A 12‑month introductory APR of Prime minus 1% is available on new home equity lines only. Refinances of existing lines do not qualify. Applicants must apply by 11:59 p.m. on 05/31/2026 to receive the promotional introductory APR. The APR is variable and may change based on changes to the Prime Rate. The variable APR is calculated as Prime, with a current fully indexed APR of 6.75% (effective 03/01/2026). The maximum APR is 15%. Minimum line amount is $10,000. Maximum loan amount is based on up to 80% loan‑to‑value for qualifying borrowers.

The HELOC includes a 10‑year draw period, during which you may make interest‑only or principal‑and‑interest payments, followed by a 15‑year repayment period with required principal‑and‑interest payments. All loans are subject to credit approval. Offer is subject to change without notice, except for the stated promotional end date.