Your home's equity holds the power to create what’s next.
For Primary and Secondary Residential Properties
With a No-Cost Home Equity Line of Credit (HELOC)* from Ledyard National Bank, anything is possible. Your Home Equity Line of Credit account is the best way to take advantage of the equity in your home for bill consolidation, a new car, home remodeling costs, tuition... you name it. Ledyard offers low rates and exceptional service, reach out to us to get started.
APR
APR
Thereafter for the Draw Period, 6.50% APR During Repayment
Not sure how to begin the line of credit process? Just call toll-free (888) 746-4562 or visit any of our financial centers. Find them here >
For Residential Investment Properties
Put your property’s equity to work. With a No-Cost Investment Property HELOC** from Ledyard Bank, you can access flexible funding to grow and manage your real estate investments. Whether you’re expanding your portfolio, upgrading existing properties, or taking advantage of new opportunities, our HELOC gives you the financial agility you need.
With low rates and responsive, local service, Ledyard makes it easy to move your investment strategy forward. Contact us today to get started.
APR
with an active Ledyard deposit account**
Have questions on how to begin the line of credit process? Just call toll-free (888) 746-4562 or visit any of our financial centers. Find them here >
Take advantage of your home's equity with a fixed rate for the term of the loan.
For Home Equity Loans, the interest rate is fixed for the term of the loan. The standard closing cost credit is $300.00. The Standard Closing Cost Credit requires auto-payment from a Ledyard National Bank account. Offer valid only for new Ledyard home equity loan or line of credit clients.
How to begin? Apply online or visit any of our financial centers. If you have questions, call us toll-free (888) 746-4562 or click here to e-mail us.
† The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor.
* Annual Percentage Rate (APR) is accurate as of 1/27/26. APR is 5.99% for the first six months. After the first six months, the APR will be adjusted monthly to 0.25% below the Wall Street Journal (WSJ) Prime during the 10-year draw period and 20-year repayment period. The WSJ Prime rate is currently 6.75%. Maximum APR is 18%. The minimum HELOC loan amount is $10,000. No closing costs for loans under $400,000. Loans over $400,000 have different terms and APR, contact the Bank for details. NH residents and loans secured by property in NH are subject to a $350 prepayment penalty if the line of credit is paid off and closed within three years of origination. The $100 annual fee during the draw period is waived for the first year and there is no annual fee during the repayment period. Property insurance is required. Flood Insurance required, if applicable. Loans subject to credit and property approval. Offer valid for new Ledyard HELOCs and for existing HELOCs at renewal or when increasing their credit line. Additional terms and conditions may apply. Limited time offer subject to change or discontinuation.
** Investment Property HELOC - Annual Percentage Rate (APR) is accurate as of 6/26/26. APR is 7.75% adjusted monthly to 1.00% above the Wall Street Journal (WSJ) Prime during the 10-year draw period, currently 6.75%; and equal to the WSJ Prime rate, adjusted quarterly, during the 20-year repayment period, currently 7.75%. To receive the closing cost credit and stated APR, borrower must have an active Ledyard Bank deposit account with a debit card or direct deposit at time of closing. This means new customers must open a deposit account with the above conditions. If a Ledyard Bank deposit account isn't obtained before closing, different terms and APR are available, contact the Bank for details. The minimum HELOC loan amount is $10,000 and maximum is $400,000. Maximum APR is 18%. NH residents and loans secured by property in NH are subject to a $350 prepayment penalty if the line of credit is paid off and closed within three years of origination. The $100 annual fee during the draw period is waived for the first year and there is no annual fee during the repayment period. Property insurance is required. Flood Insurance required, if applicable. Loans subject to credit and property approval. Additional terms and conditions may apply.
Let’s talk about how Ledyard Bank can support your financial journey. Contact us or open an account today—it’s fast, easy, and all about you.
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