Home Equity

HELOCs & Home Equity Loans

For the Cash You Need, There's No Place Like Home.

Whether you need it for the dream vacation or the dream kitchen, tapping into your home's equity can help make your dream a reality. Choose from a fixed-rate loan or a line of credit that's flexible to your needs. 

Home Equity Line of Credit (HELOC)

A HELOC is flexible, affordable, and works more like a credit card, letting you borrow money when you want. You can use it for large purchases like vacations, weddings, or home improvements. 

HELOC Benefits include: 
  • Paying interest rates that are far below those paid on typical credit cards
  • Deducting the interest you pay from your taxes. (Contact your tax advisor for specific information)
  • Flexibility of interest-only monthly payments
  • Access funds as needed without having to re-apply


Home Equity Loan

A Home Equity Loan from State Bank of Cross Plains provides the money you need now with a fixed-rate loan option that works for you. It can help cover the cost of a large purchase, like a new roof on your home, a college education for your child or an unexpected medical bill. 

Fixed-Rate Loan Option Benefits:
  • Great way to consolidate your debt 
  • Funds disbursed in one lump sum
  • Fixed monthly payments for the life of the loan 
  • You may be able to deduct the interest you pay from your taxes (contact your tax advisor for specific information) 

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