Get Your Dream Kitchen - Home Equity Combo

Home Equity

"Someday" is now!

No matter what your "someday" project is, Saratoga National Bank can help you finance projects, purchases and expenses with one of our convenient Home Equity options.


Apply Now - Home Equity  


Home Equity Combo Line of Credit Home Equity Loan

The flexibility to choose what works for you!

Start with a line of credit: Similar to a credit card, a line allows you to access funds in small increments over a period of time and make payments only on the amount you have used so far.

Convert to a loan: With our unique product, you have the option to lock in a fixed-rate loan at any time.

Perfect for those looking to borrow a fixed amount of money and pay it back with monthly payments. Low fixed-rate options protect you against rising interest rates.


Line of Credit: 2.99% APR Fixed 12-Month Intro Rate; automatically goes to 4.75% APR Variable Rate (prime minus .25% APR)* after 12 months.

Loan: Rates as low as 3.74% APR*.

Fixed rates as low as 3.74% APR*; Keep that rate for the life of your loan.


  • No closing costs or annual fee* 
  • Borrow up to 80% of your home's value*
  • Flexible payment options
  • Minimum amount only $10,000
  • No closing costs or annual fee* 
  • Borrow up to 80% of your home's value*
  • Choose from 5, 10, 15 and 20 year terms
  • Minimum amount only $10,000


For more information on our Home Equity options, contact any of our locations or call (518) 583-3114.