young family hangs out next to new pool they obtained with a home equity line of credit

More Fun in the Sun With a Home Equity Line of Credit.

Imagine being able to borrow against your home’s equity to access cash and finally install that pool your family has been dreaming of. That’s the beauty of our revolving home equity line of credit (HELOC) – giving you flexibility to cover expenses over time with rates lower than most credit cards.

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Breathe (and Spend) Easier.

You’ll love this affordable, flexible and convenient way of accessing funds, which is secured by the equity in your home. What’s just as good, it doesn’t impact your mortgage rate or terms.

Our personal lenders are always here to help, and we’ve made drawing on your HELOC incredibly easy, allowing you to:

  • Borrow up to 90% of your home’s value

  • Access personalized checks

  • Experience local service

Home Equity Loan or Line of Credit?

Home equity lines of credit often have more flexible repayment terms than a standard home equity loan. Home equity loan payments are typically fixed over the repayment period, while home equity lines of credit can offer interest-only payment terms, or outstanding balances can be repaid using a variety of repayment strategies.

Psst. We Have More Personal Lending Options!

three excited women in sunglasses sitting in a new car, embarking on a road trip thanks to Gate City Bank personal loans

Personal Loans

Drive home that perfect car, take out the boat, get away in your ice house or plan the other escape you’ve been dreaming of! You’ll experience competitive rates, flexible terms and thoughtful lenders who guide you every step of the way.

adoring mom giving her son a bubble bath in a new clawfoot tub, thanks to a home equity loan from Gate City Bank in ND

Home Equity Loans

Have you ever considered borrowing against your home to cover another expense? With our home equity loans, you can easily do a remodel, go on vacation, consolidate debt and more – all at a competitive fixed interest rate.

Three happy friends in Fargo, ND, heading out for a road trip thanks to an easy auto loan with Gate City Bank

Auto Loans

Cruise toward better auto loan rates! When you buy or refinance a vehicle with us, you’ll enjoy low rates and a simple process. Time to get started with us, and hit the open road!