The Timing Is Right. And So Is The Rate.

We're offering a special low rate on our home equity line of credit. You'll receive 1% below prime for the life of the line.*

Its money you can use wherever and whenever you want. Use it for home improvements or that long-awaited vacation. You can even pay off your credit card debt.

Best of all, there are no application fees or closing costs.

Calculate the equity in your home.

You can borrow up to 80% of the property value.

Home Value x .80 ____________

Remaining balance of mortgage ____________

Subtract the second line from the first line for your available equity.

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 or visit any of our conveniently located offices in Dartmouth, Fairhaven, Fall River, New Bedford, North Dighton, Seekonk, Somerset, Swansea, Westport or Tiverton, RI.

*Annual Percentage Rate (APR) of Prime minus 1.00% is available with automatic payment from a BayCoast Bank checking account. If the automatic payment is cancelled, the discounted rate of Prime minus 1.00% APR will change to Prime. APR may vary monthly and is based on the Prime Rate as listed in The Wall Street Journal and on 12/15/16 was 3.75%. Rates are subject to change. The rate floor and minimum APR is 3.25% and the maximum APR is 18.00%. Offer available for 1-4 family owner-occupied properties with a combined loan to value ratio of 80% or less as determined by an online statistical appraisal acceptable to the Lender. If the loan amount exceeds $250,000 or an online value is not available, a certified property appraisal may be required. Hazard insurance is required and flood insurance may be required. If you pay off your line within 36 months of the closing date, an early termination fee may be charged. Offer subject to credit approval and other restrictions may apply.

** Online loan applicants must live in Bristol County, Dukes County, Plymouth County or Barnstable County, Massachusetts, or in the state of Rhode Island. Loan approvals are conditional and are subject to final review. Approvals are good for 30 days and are subject to a review of additional documentation such as the applicants' current pay stubs, tax returns, proof of insurance and any other documentation and verification we may require.