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  • CNB Home Equity Loan.  
    Pay for those unexpected emergencies, purchase a vehicle, take a vacation, consolidate debt, or pay college tuition.  Rates are determined based on the term selected, total loan-to-value and amount borrowed. 

    • Fixed-rate loan(1) 
    • No closing costs(2) 
    • Term options
    • Consistent monthly payment
    • Tax deductible interest(4) 
  • CNB FlexEquitySM. 
    FlexEquity, a unique home equity product, combines the flexibility of a traditional home equity line of credit (HELOC) while also giving you the ability to have up to five sub-loans with a fixed interest rate and term. As you pay back the balance on your sub-loans, the funds automatically become available to use on your line of credit.

    • Variable-rate line of credit
    • No closing costs(2) 
    • Manage your rate options
    • Convert your balance into one or more fixed-rate loans later(3) 
    • Tax deductible interest(4) 

     


 EHL(1) Closed-end loans with terms in excess of 10 years include a call feature and the rate and payment may increase at the time of modification. (2) If the loan is terminated for any reason prior to 3 years from the date of closing, borrower will be required to repay third-party closing costs incurred by the bank to open your loan. These costs can range between $563.74 and $2913.74. (3) A conversion fee of $49 may be assessed for each sub-loan established. Sub-loans require a minimum of $5,000. Fixed rates on sub-loans will be quoted at the time of request and will not increase during the term of the sub-loan. Maximum number of fixed sub-loans is five. Maximum term on fixed sub-loans is 10 years. (4) Consult your tax advisor regarding interest deductibility. All loans are subject to credit approval.