Limited-Time HELOC Special

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Here for Life's Moments

Life doesn't happen all at once. It unfolds in moments. Some are planned, some surprise us and many begin at home. A Home Equity Line of Credit (HELOC) helps you be ready for what's next. Consider a HELOC from State Bank & Trust Co.! With a limited time, introductory rate of as low as **3.99% APR*,** you'll have peace of mind knowing you can access the funds when you need them.

Our HELOC offers a convenient 10-year draw period, with low processing costs and no prepayment penalty. Simply apply and continue to borrow throughout the 10 years, as needed. You can advance your HELOC at any time, through online/mobile banking transfers, automatic overdraft balance transfers, or by calling or stopping in the bank. It's that easy!

HELOC Features

Fixed Rate as low as 3.99% APR* for the first 6-months. Variable interest rate thereafter.
Access funds when you need them
Revolving line of credit - allows you to borrow and pay down, then borrow again as needed.
Monthly repayment amount based on outstanding balance
Credit available up to 90% of your combined loan to value.
Interest may be tax deductible (Consult your tax advisor)
Homeowner's insurance is required

Use Your HELOC for:

Home Improvements
Landscaping
Remodeling
And More!

Apply Today!

Use our easy online application, or call or visit us at one of our convenient locations!

Apply Online OR Finish Existing Application

Contact Us

Contact one of our Home Equity specialists today:

Tyler Davis NMLS# 2421685 515-382-2191 loans@banksbt.com Mortgage Loan Originator Listing *Promotional rate of 3.99% Annual Percentage Rate (APR) for 6 months is available for new applications submitted April 1, 2026 through September 30, 2026. The 6-month introductory rate is applicable for HELOC products only. Your approval rate and credit limit will be based upon your creditworthiness and property value. The maximum amount of total loans with us, and others, including this request, may not exceed 90% of your property’s value. You will be required to maintain property insurance. Consult a tax advisor regarding potential deductibility of interest. Variable rate lines are available, with rates range from 7.00% Annual Percentage Rate (APR) to 7.75% APR (based upon the Prime Rate as the index as published in the Wall Street Journal plus a margin) as of March 16, 2026, and is subject to change without notice. These rates may change due to an increase or decrease in the Prime Rate, however, it will never be less than 5.00% APR, or more than 15.00% APR. Applies to owner-occupied residential real estate only. Closing Costs include flood report, mortgage release fee, and recording fees. The borrower will be responsible for evaluation or appraisal fees (if required), which range from $175-$500. No application, annual, or non-use fees associated with this product.