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

Clean Up With a 
Home Equity Loan.

Remodeled bath. Dream kitchen. Finished basement. Even a wedding or tropical getaway. Whatever’s on your wish list, cash in with rates as low as 6.70% APR.1

Apply Now

Mom with her young daughter, drilling into new deck materials purchased with a Gate City Bank home equity loan

Special Offer for Home Projects.

Drill into your next project with rates as low as 6.70% APR and no closing costs – only for a limited time.2

Apply Now

Soak Up the Perks.

  • Enjoy home equity loan rates as low as 6.70% APR1

  • Take advantage of tax-deductible options

    (Just be sure to consult your tax advisor to confirm.)

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

  • Relax with local service and digital signing options virtually anywhere

Get Pre-Approved

dad helping daughter float in their new pool purchased with a Gate City Bank home equity line of credit

Keep a Home Equity Line of Credit on Deck.

Tackling ongoing projects instead of one big renovation? Consider a revolving line of credit to cover a variety of different expenses instead – all with a lower rate than most credit cards!

Learn More
“Maybe you’ve always wanted a chef’s kitchen. Or maybe it’s time to fence your yard or finally remodel the bathroom with a walk-in shower. Whatever’s on your list, a home equity loan can be a smart way to increase the value of your home.”
See Expert Tips
professional headshot of Pam Krupke, senior personal lender and home loan equity loan expert
Pam Krupke
AVP, Senior Personal Lender

Home Equity Loan Calculator

Repayment of a home equity loan requires that the borrower makes a monthly payment to the lender. That monthly payment includes both repayment of the loan principal, plus monthly interest on the outstanding balance. Loan payments are amortized so that the monthly payment remains the same throughout the repayment period, but during that time, the percentage of the amount that goes towards principal will increase as the outstanding mortgage balance decreases.

More Options Close to Home.

couple happy about home improvement loan observes updates and embraces each other

City Programs for Home Improvements

Learn about special low rates for home remodeling and repairs in partnership with towns across ND and MN, available annually from March to October.

Talk with a Lender

Not quite sure which loan is right for you? Come on over! Stop by to chat over coffee, or give us a call.

1 Other terms and conditions may apply, and rates are subject to change. An appraisal at borrower's expense may be required.

2 Applications must be submitted February 1 – April 30, 2024. Other terms and conditions may apply. Offer not valid on Gate City Bank lines of credit. An appraisal at borrower’s expense may be required. The closing cost discount will be reflected on closing disclosure.