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Lines of Credit

Enjoy the security and convenience of having access to the funds you need, when you need them.


Home Equity Line of Credit >=$50,000     
TermAPRInterest RateLTVMinimumMaximumPayment Example
Up to 120 Month Draw Period4.00% Variable APR 14.00%1Up to 85%$50,000No MaximumInterest only, Minimum payment $100
Home Equity Line of Credit <$50,000     
TermAPRInterest RateLTVMinimumMaximumPayment Example
Up to 120 Month Draw Period4.25% Variable APR24.25%2Up to 85%No Minimum$49,999Interest only, Minimum payment $100.00
HELOC Hybrid w/ Term Out Option=>$50,000     
TermAPRInterest RateLTVMinimumMaximumPayment Example
Up to 120 Month Draw Period4.00% Variable APR1 4.00%1Up to 85%$50,000No MaximumInterest only, Minimum payment $100
HELOC Hybrid w/ Term Out Option<$50,000     
TermAPRInterest RateLTVMinimumMaximumPayment Example
Up to 120 Month Draw Period4.25% Variable APR24.25%2Up to 85%No Minimum$49,999Interest only, Minimum payment $100
Personal Line of Credit     
TermAPRInterest RateLTVMinimumMaximumPayment Example
N/A11.25% Variable APR311.25%3N/ANo MinimumUp to 25% of Gross Income2% of outstanding balance, minimum payment of $25


Annual Percentage Rate (APR) is effective as of Friday, November 20, 2009.

1 Annual Percentage Rate (APR) shown is for a line amount of $50,000 or greater, requires a credit score greater than or equal to 700 and includes a 0.25% discount for automatic deduction from a Susquehanna Bank checking or savings account. The variable rate will be based on an index (the Wall Street Journal Prime rate as of the 15th day of the preceding month) plus 0.75%, currently 4.00% APR, and may vary monthly. Higher rates apply for lower credit scores and without the automatic payment feature. Minimum variable rate is 4.00%. The maximum APR is 18% [Maryland 24%, New Jersey 16%]. Lines are for household, family and personal use only. Property insurance is required. Property must be located in the Susquehanna Bank service area. For properties located in the state of Maryland, if the line is terminated within the first 30 months, all Lender paid closing costs estimated between $440.00 and $1200.00 (estimate for a $50,000 line, varies by county) must be reimbursed to the Lender. Title Insurance is not included in the Lender paid closing costs for loans over $250,000. Standard underwriting criteria apply. APRs are subject to change without notice.

2 Annual Percentage Rate (APR) shown requires a credit score greater than or equal to 700 and includes a 0.25% discount for automatic deduction from a Susquehanna Bank checking or savings account. The variable rate will be based on an index (the Wall Street Journal Prime rate as of the 15th day of the preceding month) plus 1.00%, currently 4.25% APR, and may vary monthly. Higher rates apply for lower credit scores and without the automatic payment feature. Minimum variable rate is 4.00%. The maximum APR is 18% [Maryland 24%, New Jersey 16%]. Lines are for personal, family and household purposes. Property insurance is required. Property must be located in the Susquehanna Bank service area. For properties located in the state of Maryland, if the line is terminated within the first 30 months, all Lender paid closing costs estimated between $340.00 and $1100.00 (estimate for a $40,000 line, varies by county) must be reimbursed to the Lender. Standard underwriting criteria apply. APRs are subject to change without notice.


3 Annual Percentage Rate (APR) shown is for personal unsecured lines, requires a credit score greater than or equal to 700 and includes a .25% discount for automatic deduction from a Susquehanna Bank checking or savings account. Higher rates apply for lower credit scores and without the Automatic Payment feature In PA, NJ and WV; a $35.00 document preparation fee will be charged to your credit line or may be paid at closing. The variable rate will be based on the index (Wall Street Journal Prime as of the 15th day of the preceding month) plus a margin of 8.00%, currently 11.25% APR The initial APR assigned to this loan will be based on credit score. The maximum APR is 18% (Maryland 24%, New Jersey 16%). Lines are for personal, family and household purposes. Standard underwriting criteria apply. APRs are subject to change without notice.

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