A Home Equity Line of Credit (HELOC) may be right for homeowners who prefer:

• The flexibility to access available funds now and in the future
• A lower interest rate than many other types of credit
• The ability to select a monthly payment that fits their budget

Example: Gloria and Jay need help financing repairs and improvements in their home. They need a source of funds to pay for ongoing expenses throughout the different phases of each project. With a HELOC from Arcadian Bank they can:

• Access available funds from their line of credit to pay expenses
• Benefit from interest that may be tax deductible
• Select a fixed interest rate of 2 years or 5 years