Banking Sign In


Act fast and enjoy a remarkable 4.99% interest rate for the first 12 months on our Home Equity Line of Credit (HELOC) special. Maximize your financial flexibility and make your goals a reality today!

What More Information?

Contact our Vice President of Consumer Lending, Gina Persiani (NMLS# 512344) at (815)463-7040 or by email at

You may have more value in your home than you realize!

Take advantage of your increased market value and save big with our low interest rate Home Equity Line of Credit (HELOC) for a whole year! Access to your money is easy and our home equity line of credit is flexible to fit your specific needs.

Town Center Bank’s friendly lending team will explain how your home’s value may be the key to an affordable HELOC that you can use for almost any purpose.



Completed applications must be submitted by 07/30/2024 to be eligible for this offer. New lines of credit only. If a borrower has had a HELOC within the last 36 months, the promo rate will not apply, unless they sold that property and bought a new one. Increases on existing home equity lines of credit are not eligible. New households only. Primary residences only. One per customer per property. The Annual Percentage Rates (APRs) are accurate as of 05/31/2024. The total term of the Home Equity Line of Credit (HELOC) is 120 months. For the life of the line, the “Draw Period”, the APR is a variable rate based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line. However, for the first 12 months from the date of the loan there is an introductory rate of 4.99% fixed. For the remaining 108 months the terms will be as follows. On 05/31/2024, the WSJ Prime Rate was 8.50% resulting in the following APRs: $25,000.00 – $150,000: 9.25% (Prime + .75%), $150,001.00 – $250,000.00: 9.00% (Prime + .50%), $250,001.00 and upwards: 8.75% (Prime + .25%). The minimum APR is 5.00% (after the introductory period) and the maximum APR is 18.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum of 80% Complete Loan to Value (CLTV). Offer is not available for purchase money loans. Property insurance required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. An early termination fee of $500.00 will be charged if account is closed within 36 months of the loan date. There may be certain third-party fees for entities such as appraisers, credit reporting firms, and government agencies to open the account, which generally total between $0.00 and $1,700.00. Pricing shown assumes borrower meets underwriting guidelines or credit may not be available. See your loan officer for details. Offer subject to change without notice. Offer expires 07/30/2024