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Home Equity Line of CreditRemove

The Adirondack Trust Company

Product terms with exact source passages
TermValueSource
Loan amountNot disclosedThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Loan term360 monthsThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
CollateralReal estateThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Prepayment penaltyNot disclosed
Maximum loan to value80%The Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Draw period180 monthsThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Repayment periodNot disclosedThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Rate floorNot disclosed
Rate cap24.99%The Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Introductory draw APR12 months · ** New Home Equity customers only: The Home Equity Line and Loan is for an 80% loan to value. The initial rate of a Home Equity Line of Credit is 3.99% APR for 12 months. Thereafter, variable rate with the Annual Percentage Rate (APR) calculated by adding 0% to the highest Prime rate published by the Wall Street Journal, currently 7.00 % APR. This limited-time offer is available on loans of $7,500 or more, but less than $250,000 and is subject to change without notice. The maximum amount of the Home Equity Line/Loan based on the value of your property is determined by multiplying 80% of the appraised value of the property, minus any outstanding mortgage loan amounts. Property insurance is required, which includes, if required, flood insurance. The Home Equity Line of Credit Annual Percentage Rate cap is 24.99%. Rates may change or not be available at commitment or closing. Other terms and conditions may apply. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with the agreement. Payments vary based on outstanding amount3.99%The Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Draw APR ** New Home Equity customers only: The Home Equity Line and Loan is for an 80% loan to value. The initial rate of a Home Equity Line of Credit is 3.99% APR for 12 months. Thereafter, variable rate with the Annual Percentage Rate (APR) calculated by adding 0% to the highest Prime rate published by the Wall Street Journal, currently 7.00 % APR. This limited-time offer is available on loans of $7,500 or more, but less than $250,000 and is subject to change without notice. The maximum amount of the Home Equity Line/Loan based on the value of your property is determined by multiplying 80% of the appraised value of the property, minus any outstanding mortgage loan amounts. Property insurance is required, which includes, if required, flood insurance. The Home Equity Line of Credit Annual Percentage Rate cap is 24.99%. Rates may change or not be available at commitment or closing. Other terms and conditions may apply. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with the agreement. Payments vary based on outstanding amount7%The Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
loan_amountThe $7,500 minimum and less-than-$250,000 maximum qualify this limited-time offer; general product amount bounds are not established.WithheldThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
repayment_periodThe rate sheet states a 15-year draw period and 30-year total term; it does not separately state a repayment duration.WithheldThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Access to fundsThe application action uses a signed tracking redirect whose program scope is unverified; no application URL is published from it.WithheldThe Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Closing$0, All closing costs are waived on the condition that the Home Equity Line/Loan remains open for three years. (If the Bank attorneys require title insurance, you will pay the cost.) Should the Home Equity Line/Loan close prior to three years, all closing costs previously waived would be collected, estimated to range between $645 – $3,270 for Home Equity Lines of Credit up to $250,000.The Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website
Early closureAll closing costs are waived on the condition that the Home Equity Line/Loan remains open for three years. (If the Bank attorneys require title insurance, you will pay the cost.) Should the Home Equity Line/Loan close prior to three years, all closing costs previously waived would be collected, estimated to range between $645 – $3,270 for Home Equity Lines of Credit up to $250,000.The Adirondack Trust Company · Stated In Document Sep 29, 2026 · Captured Oct 3, 2026Website