You > Loans

Home Equity Loan Sale

CNB Logo


Questions? 585-394-4260
Home-Equity-Banner-Jan24
Home Equity Mobile Banner

Consolidating high interest debt into a CNB Home Equity Loan can help you get off to the right start in 2024. Not only can you secure a lower, fixed interest rate, you will also benefit from a single monthly payment, which makes managing debt simpler and more convenient.

Limited Time Offer

Offer good through March 30, 2024


Available for loans up to $25,000. 

Rate-Box

Limited Time Offer

Offer good through March 30, 2024


Available for loans up to $25,000. 

Rate-Box
  • Fixed Interest Rate
  • 5 Year Term
  • No Closing Costs*
  • Convenient auto pay from CNB Optimum Checking 
  • Fixed Interest Rate
  • 5 Year Term
  • No Closing Costs*
  • Convenient auto pay from CNB Optimum Checking 

Consolidate high interest rate debt with our Home Equity Loan and Save!

  CNB Home Equity Loan Average Credit Card
Amount $10,000 $10,000
Interest Rate 7.99% 20%
5 Year Interest Paid $2,163.00 $9,000.00 (approximate)

Save over $6,800 in interest with a CNB Home Equity Loan!

The advertised discounted APR is a fixed rate and applies to approved Home Equity Loan applications received between 2/01/24-3/30/24 with a loan amount between $10,000 - $25,000 with a five-year term in second lien position. Automatic payment from a CNB Optimum checking account is required to receive the discounted advertised rate. Loan amounts available up to $250,000 with other rates and terms. APRs range from 7.99% to 10.16% and will be determined based on loan amount and term. Rates are accurate as of 1/26/24 and are subject to change. Minimum $10,000 increase in loan amount required if refinancing an existing CNB loan. 1 to 4-unit, owner-occupied primary and secondary homes only. Property insurance and, if applicable, flood insurance is required. Title insurance may be required for loans greater than $250,000 or where there is no institutional first mortgage. Loan-to-value ratio may not exceed 85%. Based on a loan amount of $10,000, a 5-year loan with a 7.99% APR will have a monthly payment of $202.71. *If the loan is terminated for any reason prior to 3 years from the date of the loan closing, you will be required to repay third-party closing costs incurred by the bank to open your loan. These costs can range between $348.74 and $2,981.34. All loans are subject to credit approval. Deposit Products - Member FDIC.