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Imagine your next home or backyard project with rates as low as 5.69% APR.* Our home equity loans offer homeowners a convenient way to finance remodeling, pay for higher education or even consolidate personal debts – all at a fixed rate with various loan term options. It’s time to start dreaming!

  • Fence and landscape your backyard.
  • Bring that perfect Pinterest kitchen to life.
  • Replace worn exterior siding.
  • Finally finish your home’s lower level.
  • Install new energy-efficient windows.
  • Embark on a once-in-a-lifetime vacation.

Visit with our expert personal lenders to get started.

Contact a Lender

Did You Know?

  • Home equity loans are fixed interest rate loans that allow you to borrow against your home’s equity (which is the amount still owed on your loan subtracted from the property’s value).
  • You may be able to borrow up to 90% of your home’s value.
  • These low interest rates may be tax deductible (confirm with your tax advisor).
  • Is your mortgage paid off? Ask about low-interest home equity loan options!

Personal Loan Options for Every Need, Including Financing for:

  • Auto Loans: Drive off the lot with confidence.
  • Ice HousesRelax and reel in the big ones all winter long.
  • Boats and RVsYour next adventure is calling!

Estimate Your Home Equity Loan

Use our handy calculator to estimate how much you may be able to borrow for a home equity loan.

Get Started

*Annual percentage rate (APR) offer not valid on Gate City Bank lines of credit. Rates subject to change. Other terms and conditions may apply.