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Get an Ultra-Low 12-Month Intro Rate on a Home Equity Line of Credit

Imagine what you could do and the money you could save for a full year with this really affordable borrowing option. Start that DIY project, refinance, or pay off other higher-interest debt with an ESL Home Equity Line of Credit.

Get an ultra-low 12-month intro rate on a Home Equity Line of Credit.

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Talk about great timing! With an incredibly low 1.95% introductory rate1 FOR 12 MONTHS and no closing costs2 or fees to add to your overall expenses, this is a not-to-be-missed, low-cost opportunity to take advantage of right now.

All the Advantages Available:
  • An ultra-low interest rate for 12 full months, plus a great ongoing rate.
  • Borrow and pay interest only on what you need.
  • Absolutely no closing costs2 to pay.
  • Straightforward pricing with no annual fees or minimum draw requirements.
  • Immediate access to your money through Online and Mobile Banking3, or with checks.
Limited-time offer ends May 27.

Visit your local branch, call 585.336.1000 or 800.848.2265, or go to ESL Online Chat and talk to an ESL Representative for more details.

1: Annual Percentage Rate (APR) shown is current as of March 16, 2017 and is subject to change without notice. The prime rate is 4.00% as of March 16, 2017 and rates are based on a loan-to-value ratio up to 80%. There are other rates available for a loan to value exceeding 80%. This rate will never exceed 15.9%. There is an introductory rate that is fixed for 12 months from the time of closing. At the end of 12 months, the contract rate becomes variable and may increase based on Prime Rate plus your contract margin. Rates are available to new accounts only and are subject to credit approval. Minimum line amount is $5,000. 2: ESL will pay all the closing costs and fees in connection with the opening of your account. However, if you close your account within the first 36 months of your account open date, you must reimburse us for the closing costs and fees paid in connection with opening your account. Property insurance and flood insurance, if applicable, are required. 3: Members must be ESL Online Banking users to use ESL Mobile Banking.