Pre-Qualify



Interest Rates are effective as of August 15, 2017. 

Check out our full line of Variable Rate Home Equity Lines of Credit, including Evans Equity Select, a Variable Rate Home Equity with a Fixed Rate Payment option. Equity Select Annual Percentage Rates (APR).

Variable Rate Option:


Line APR* Current APR**
$7,500 – $49,999 Prime + 1.00% 5.00%
$50,000 – $99,999 Prime + 0.75% 4.75%
$100,000 and above Prime + 0.50% 4.50%

Variable Rate: *Prime equals the highest rate identified by The Wall Street Journal as the prime rate in its table entitled “Money Rates” as of the monthly determination date in the agreement. The Prime Rate in effect on 6/15/17 is 4.25%. This rate may vary monthly. Your line is secured by a mortgage on your home and property insurance is required. If your line of credit is paid and your home equity mortgage is discharged within three years of origination, closing costs must be returned to the Bank. No annual fee.

** Have your payment auto deducted from an Evans Bank Account and your Rate will be reduced by 0.25% (Discount for auto deduction is not applied to  introductory or promotional rates). Consult a tax advisor regarding deductability of interest.

Return to Current Rates

Fixed Rate Option:


Term APR***
5 Years 4.75%
10 Years 5.50%
15 Years 5.75%

Fixed Rate: *** A monthly payment of $187.57 for a $10,000 loan at 4.75% is based on a five year repayment schedule. Your line is secured by a mortgage on your home and property insurance is required. If your line of credit is paid and your home equity mortgage is discharged within three years of origination, closing costs must be returned to the Bank. Consult a tax advisor regarding deductability of interest.

Return to Current Rates