Home Equity Line of Credit 4.99% APR

About Town Center Bank

Town Center Bank is your locally owned and managed community bank, offering all the financial products and services of the big banks with a level of personal customer service they simply can’t match. With conveniently located branches in Frankfort and New Lenox and the complete menu of digital banking services, we proudly serve

Frankfort, Mokena, New Lenox, Manhattan, Orland Park, Tinley Park and the surrounding communities. Our team of experienced banking professionals is dedicated to helping you achieve your financial goals with the care and expertise you deserve.

Town Center Bank is proud to be the BEST of Lincoln-Way!

Your votes have been counted! Thanks for making Town Center Bank the #1 Financial Institution (Banks/Credit Unions) in the 2025 Herald News Best of Lincoln-Way Readers’ Choice Awards. We are incredibly grateful to be a part of this amazing community!

IDENTITY THEFT PROTECTION for Town Center Customers

Your chance of being a victim of identity fraud is 1 in 15. We offer affordable, reliable identity theft protection to our customers for as lowLearn More...

Town Center’s Mobile Banking APP

Bank Anywhere with Town Center’s Mobile Banking APP Mobile Banking – Whenever you go…anywhere…take Town Center Bank’s Mobile Banking withLearn More...

Little Savers, Big Futures

Town Center Bank’s Minor Statement Savings account is designed for children and helps families teach the importance of saving early. Parents can open an account with their child and watch their confidence grow right along with their balance.Learn More...

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🏡💵🔑🏦 = The key to your dream home starts here!

This World Emoji Day, we’re spelling out your next move, literally! Let Town Center Bank help unlock your future with a mortgage made for you.

Visit towncenterbank.com/mortgages/ to get started.

#WorldEmojiDay #TownCenterBank #HomeGoals #NewMortgage

Member FDIC - Equal Housing Lender
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🏡💵🔑🏦 = The key to your dream home starts here!

This World Emoji Day, we’re spelling out your next move, literally! Let Town Center Bank help unlock your future with a mortgage made for you. 

Visit https://towncenterbank.com/mortgages/ to get started. 

#WorldEmojiDay #TownCenterBank #HomeGoals #NewMortgage

Member FDIC - Equal Housing Lender
3 days ago

We are 100% about LOCAL at Town Center Bank. Come see what we’re about this week.

TownCenterBank.com - Member FDIC
#BankLocal #TownCenterBank #NewLenox #FrankfortIL
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4 days ago

Pay at the pump? Be aware of this new scam before you tap your cards.

🎥: @colinwayne1

#consumerawareness #scams #communityawareness #communitybank
TownCenterBank.com - Member FDIC
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5 days ago

Unlock financial flexibility with a HELOC from Town Center Bank. Visit towncenterbank.com/mortgages/home-equity-loans-lines-of-credit/ to learn more this weekend.

Member FDIC - Equal Housing Lender
#Heloc #HomeEquity #TownCenterBank #HomeOwners

Completed applications must be submitted by 07/31/2025 to be eligible for this offer. New lines of credit only. If a borrower has had a HELOC within the last 36 months, the promo rate will not apply, unless they sold that property and bought a new one. Increases on existing home equity lines of credit are not eligible. New households only. Primary residences only. One per customer per property. The Annual Percentage Rates (APRs) are accurate as of 05/29/2025. The total term of the Home Equity Line of Credit (HELOC) is 120 months. For the life of the line, the “Draw Period”, the APR is a variable rate based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line. However, for the first 12 months from the date of the loan there is an introductory rate of 4.99% fixed. For the remaining 108 months the terms will be as follows. On 05/29/2025, the WSJ Prime Rate was 7.50% resulting in the following APRs: $25,000.00 – $150,000.00: 8.25% (Prime + .75%), $150,000.01 – $250,000.00: 8.00% (Prime + .50%), $250,000.01 and upwards: 7.75% (Prime + .25%). The minimum APR is 5.00% (after the introductory period) and the maximum APR is 18.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum of 80% (or 70% if loan amount exceeds $250,000.01) Complete Loan to Value (CLTV). Offer is not available for purchase money loans. Property insurance required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. An early termination fee of $500.00 will be charged if account is closed within 36 months of the loan date. There may be certain third-party fees for entities such as appraisers, credit reporting firms, and government agencies to open the account, which generally total between $0.00 and $1,700.00. Pricing shown assumes borrower meets underwriting guidelines or credit may not be available. See your loan officer for details. Offer subject to change without notice. Offer expires 07/31/2025.
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Unlock financial flexibility with a HELOC from Town Center Bank. Visit https://towncenterbank.com/mortgages/home-equity-loans-lines-of-credit/ to learn more this weekend.
 
Member FDIC - Equal Housing Lender
#Heloc #HomeEquity #TownCenterBank #HomeOwners
 
Completed applications must be submitted by 07/31/2025 to be eligible for this offer. New lines of credit only. If a borrower has had a HELOC within the last 36 months, the promo rate will not apply, unless they sold that property and bought a new one. Increases on existing home equity lines of credit are not eligible. New households only. Primary residences only. One per customer per property. The Annual Percentage Rates (APRs) are accurate as of 05/29/2025. The total term of the Home Equity Line of Credit (HELOC) is 120 months. For the life of the line, the “Draw Period”, the APR is a variable rate based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line. However, for the first 12 months from the date of the loan there is an introductory rate of 4.99% fixed. For the remaining 108 months the terms will be as follows. On 05/29/2025, the WSJ Prime Rate was 7.50% resulting in the following APRs: $25,000.00 – $150,000.00: 8.25% (Prime + .75%), $150,000.01 – $250,000.00: 8.00% (Prime + .50%), $250,000.01 and upwards: 7.75% (Prime + .25%). The minimum APR is 5.00% (after the introductory period) and the maximum APR is 18.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum of 80% (or 70% if loan amount exceeds $250,000.01) Complete Loan to Value (CLTV). Offer is not available for purchase money loans. Property insurance required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. An early termination fee of $500.00 will be charged if account is closed within 36 months of the loan date. There may be certain third-party fees for entities such as appraisers, credit reporting firms, and government agencies to open the account, which generally total between $0.00 and $1,700.00. Pricing shown assumes borrower meets underwriting guidelines or credit may not be available. See your loan officer for details. Offer subject to change without notice. Offer expires 07/31/2025.