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Whether you’re planning a stunning wedding, funding a top-tier education, or finally starting that major home renovation, our Home Equity Line of Credit (HELOC) provides the financial flexibility you need.\nA HELOC is One of the Most Affordable Ways to Borrow and You Can Use it for Anything, Including:\nHome Improvement Projects\nDebt Consolidation or Pay Off Bills\nPay for Large Purchases Like Weddings\nHave Access to Money for Emergencies\nApply for a HELOC Online! \nWe’re excited to announce that applying for a HELOC is now easier than ever with our new online application feature. No need to visit a branch; you can start right from your home:\nApply Anywhere, Anytime! Our online application process is available 24/7, so you can apply when it’s convenient for you.\nFill out the application in just 5 minutes and let us handle the rest. We’ll get back to you quickly with a decision.\nYour personal information is protected with top-notch security measures throughout the application process.\nApplying for your Home Equity Line of Credit is straightforward. Fill out the application online with your details, submit and relax! Our team will review your application and reach out with the next steps.\nApply for a HELOC Online\nOur HELOC provides financing up to $100,000.00, with a maximum Loan to Value (LTV) of 85%. For loans equal to or below $100,000, no closing costs are incurred if the borrower maintains a primary checking account with CVNB. However, in cases where the loan amount exceeds $100,000.00, both CVNB customers and non-customers are subject to an additional expense for title insurance. Should the borrower not meet the criteria to qualify for no closing costs, the actual closing costs will be applicable.\nAfter the initial year, a $25.00 annual fee will be assessed. 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In the event of late payment, a fee of 5% of the monthly payment or $19.50, whichever is greater, will be charged if the payment is 10 days overdue.\nPlease be advised that loan approval is contingent upon underwriting and approval processes, and further restrictions may apply. \n The interest rate is determined by the credit score of the borrower(s). \nCredit Score\nWall Street Journal Prime Rate\nGreater than 725+\n- 0.25%\n660 — 749\nPrime\n659 — 630\nPrime + 0.50%\nBelow 629 \nPrime + 1.0%\nCheck Today's Rates","sources":[{"snapshotId":"41074","sourceKind":"official_issuer","publisherName":"Cumberland Valley National Bank & Trust Company","capturedAt":"2026-10-04T14:08:27.063Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.cvnb.com/personal/home-equity-line-of-credit","passageId":"45d415c7218e0d7714ab52b01c6c6575","pageNumber":null,"quote":"Home Equity Line of Credit","recordId":"official-issuer:page:url:d9d1f06069124c74a45772e0858f6c219ad74dcecfb83e2088729ca388219753","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"41074","sourceKind":"official_issuer","publisherName":"Cumberland Valley National Bank & Trust Company","capturedAt":"2026-10-04T14:08:27.063Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.cvnb.com/personal/home-equity-line-of-credit","passageId":"b314e17b13b8749adde2e93fcc617d81","pageNumber":null,"quote":"With a CVNB HELOC, You’re Not just Borrowing Money, You’re Investing in your Dreams!","recordId":"official-issuer:page:url:d9d1f06069124c74a45772e0858f6c219ad74dcecfb83e2088729ca388219753","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"41074","sourceKind":"official_issuer","publisherName":"Cumberland Valley National Bank & Trust Company","capturedAt":"2026-10-04T14:08:27.063Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.cvnb.com/personal/home-equity-line-of-credit","passageId":"05222824ab3455aa81028b91e5265f9a","pageNumber":null,"quote":"At CVNB, we understand that life comes with big dreams and big expenses. 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For loans equal to or below $100,000, no closing costs are incurred if the borrower maintains a primary checking account with CVNB. However, in cases where the loan amount exceeds $100,000.00, both CVNB customers and non-customers are subject to an additional expense for title insurance. Should the borrower…","recordId":"official-issuer:page:url:d9d1f06069124c74a45772e0858f6c219ad74dcecfb83e2088729ca388219753","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"41074","sourceKind":"official_issuer","publisherName":"Cumberland Valley National Bank & Trust Company","capturedAt":"2026-10-04T14:08:27.063Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.cvnb.com/personal/home-equity-line-of-credit","passageId":"8b0691e509eacaf2c39d5125d748f92a","pageNumber":null,"quote":"After the initial year, a $25.00 annual fee will be assessed. Additionally, a prepayment penalty of $200.00 applies during the first three (3) years of the loan if the HELOC is paid off and subsequently terminated. In the event of late payment, a fee of 5% of the monthly payment or $19.50, whichever is greater, will be charged if the payment is 10 days overdue.","recordId":"official-issuer:page:url:d9d1f06069124c74a45772e0858f6c219ad74dcecfb83e2088729ca388219753","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"41074","sourceKind":"official_issuer","publisherName":"Cumberland Valley National Bank & Trust Company","capturedAt":"2026-10-04T14:08:27.063Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.cvnb.com/personal/home-equity-line-of-credit","passageId":"c8aaa0d1cf876dc6143c3ac843fe6bf9","pageNumber":null,"quote":"Please be advised that loan approval is contingent upon underwriting and approval processes, and further restrictions may 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