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Total Line of Credit

Tap into your home’s equity with S&T’s total line of credit.

1.24% APR* Introductory for 3 months

5.24% APR* Current annual percentage rate

Up to $425* appraisal waiver


*The 1.24% Annual Percentage Rate (APR) introductory total line of credit rate will be in effect for 3 months and is effective as of 3.25.19. After the 3 month introductory period, the APR will be a variable rate based on Wall Street Journal Prime rate (5.50% as of 3.13.19) plus or minus a margin that may be based on your credit qualifications, the amount of your credit line, loan-to-value, and whether you select automatic payments from an S&T Bank checking account, with a maximum of 18.00%. A processing fee of $75 applies. Appraisal may be required for bank purposes and typically range from $85-$550. The bank shall choose the appraisal type for the loan. Appraisal fee will be waived up to $425. If the appraisal exceeds $425, the applicant pays the difference. Minimum line amount of $10,000 ($25,000 for interest-only). If refinancing, a minimum of $20,000 in new money must be borrowed to avoid the .50% refinance fee. An early termination fee of $350 applies if your credit line closes within 36 months. An annual fee of $50 will be charged to your line of credit. Title insurance required on lines of $750,000 and greater. Owner-occupied properties only. Property insurance is required. Other rates and terms are available. Consult your tax advisor regarding the deductibility of interest. Subject to credit approval. Offer subject to change or withdrawal without notice.