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The total line of credit is a home equity line of credit with a variable rate that is secured by the equity in the home. It is typically best for shorter term borrowings, emergency funds, overdraft protection, and unexpected purchases. The total line of credit offers a great deal of flexibility with a rate lock feature. Customers can lock in all or a portion of their outstanding balance at a fixed rate and fixed term.
S&T offers several convenient ways to access your home equity line of credit funds:
Home equity loans are fixed rate, fixed term loans that are secured by the equity in the home. Home equity loans are typically the best option when you know how much you need to borrow or if you are borrowing for a specific purchase. With home equity loans, customers benefit from fixed, predictable payments every month.
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