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Total Line of Credit

For journeys you choose to take
& the ones life takes you on.

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

No processing fee

Rates as low as

4.49% APR

(Prime -.76% for the life of the line)1

Appraisal fee waiver2


1The 4.49% Annual Percentage Rate (APR) total line of credit is effective as of 8.1.19 and is based on line amounts of $50,000 and greater. Other (higher) rates apply for lines less than $50,000. The APR will be a variable rate based on Wall Street Journal Prime rate (5.25% as of 8.1.19) 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 will be waived. If refinancing, a minimum of $20,000 in new money must be borrowed to avoid a refinance fee. Minimum line amount of $10,000 ($25,000 for interest-only).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.

2Payments for appraisals, when required, are the responsibility of the borrower(s). Appraisals typically range from $75-$550; however, the first $90 in appraisal fees will be waived. The bank shall choose the appraisal type for the loan. ;