Home Equity Loans

Home Equity Loans

Watch Your Plans COME TO LIFE
with a Home Equity Line of Credit from SeaComm!


Everyone who closes a HELOC with us during this campaign will receive:

  • Automatic $500 Visa® Gift Card
  • $1,000 credit towards closing costs
  • Chance to win a $3,000 Visa® Gift Card
  • Introductory rate as low as 3.99%
*** See below for important disclosures

Home equity loans are a convenient way to manage your debt level and payments, reduce your interest expense, set up a line of credit or arrange for the payment method that you prefer.

Select your payment method from payroll deduction or direct deposit, automatic transfer from your accounts, make your payment through Access Digital or Enhanced SmartLine audio response. Of course, you may always pay by mail or in person. In addition, your home equity loan may be tax deductible.*

We offer disability and life insurance payment protection plans on most of our loans. Call us or stop in at any convenient location and learn about the SeaComm home equity loan that is right for you.

Equity Advantage Line of Credit

  • A convenient line of credit available when you need it
  • Free checks provided for easy access
  • Rates as low as Prime**
  • No closing costs options available. Some restrictions may apply.

Fixed Rate Home Equity

  • Fixed rate is ideal for a one-time equity advance
  • No closing costs options available. Some restrictions may apply.
  • Longer term loans are available
  • Loans available in St. Lawrence, Franklin, Clinton, and Essex Counties, NY and Grand Isle, Chittenden, Franklin, Addison, Lamoille, Orleans and Washington Counties, VT

Call our Mortgage Specialist today!

We can help to determine your available equity.

* Check with your tax advisor about any tax deduction.

** The rate may vary annually or quarterly based on the product selected and will be based on the highest Prime Rate as published in the Wall Street Journal on the last day of each month, effective the following day.

*** *IMPORTANT DISCLOSURES: APR = Annual Percentage Rate. 3.99% APR assumes an excellent credit history, and your rate may vary based on individual creditworthiness. Your introductory rate applies for the first 12 months, after which it will be reset based on the Wall Street Journal Prime Rate, plus a margin determined by your credit score. Rate will not exceed 18% APR. Property must be a 1-4 family, owner-occupied primary residence, or a single-family owner occupied second home. Maximum loan-to-value is 80%. Property insurance is required and is the responsibility of the Borrower. Flood insurance may be required. Closing costs credit means SeaComm will pay all closing costs up to $1,000, except for the Borrower’s attorney fees for purchase, creation of an abstract or survey costs, or any ancillary recording fees for extraordinary items such as a POA. Line terminated within three years for any reason are subject to repayment of closing costs credit. The $500 SeaComm Gift Card will be given at closing. Drawing for $3,000 SeaComm Visa Gift Card will be held on October 15, 2026, and any Home Equity Line of Credit application that was taken during the promotion period of 05/01/2026-08/31/2026 and closed by 10/15/2026 will be entered in the drawing. A 1099-MISC will be issued for the $3,000 prize. Void where prohibited. Other rates and terms are available, and your individual rate may vary. Credit approval is subject to our underwriting standards. Terms are subject to change. Additional restrictions may apply. Existing SeaComm loans and line are not eligible. Membership eligibility applies. Promotion ends August 31, 2026.