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Skip Navigation LinksPersonal Banking | Home Equity & Other Loans | Fixed Loans

Fixed Loans

If you are worried about rates going up, the fixed-rate Home Equity Line of Credit is perfect for you. If rates are on the rise, with a fixed-rate loan, you will be locked into your rate through the term of your loan. You can open this with a smaller minimum balance than the Floating Rate Line of Credit.


Rate Rate will remain fixed for term of note 5.75% APR
Closing Cost No closing cost provided line stays open for 2 years $0.00
Minimum Line Amount In order to get the advertised special rate $10,000.00
Length of Note Home equity Line of Credit will remain open for the length of the note 5 years


New money only. Hazard Insurance required. After 5 year is up, loan can either be paid off or renewed at current fixed rate. A.P.R. is equal to Annual Percentage Yield.


  • Perfect for providing you with the flexibility of accessing your funds for things such as home improvements, education, or debt consolidation
  • Home Equity Credit Line is a 5-year note
  • Your minimum monthly payment is the accrued interest.  You can pay as much principal payment each month as you desire without penalty*

*A balloon payment will result in you having to repay the entire outstanding Loan Balance in a Single Payment at time of maturity


  • Minimum loan is $10,000.00.  The maximum loan amount is 80% of the appraised value of your home minus your last mortgage


  • Potential Tax savings- Interest paid on your Home Equity Line of Credit may be tax deductible.  Consult your tax advisor regarding the deductibility of interest


  • You can access your Home Equity Line of Credit through Royal Banks Checks or through a convenience check mailing

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