Personal Banking
You worked hard for your home – it’s time to let it work hard for you.

Put your equity to work for you with a Home Equity Loan or Line of Credit. Our loan representatives know the local market and can measure the full value of your home.

Account Features:
  • Loan amounts from $10,000
  • Less paperwork for fast loan decisions
  • Fast access to your cash
  • No or low original fees
Plus:
  • Dedicated loan advisors can help you understand the nuances of each loan type.
  • Make automatic payments from any Heritage Oaks Bank checking account.
  • Home equity credit offers low interest rates and may be tax deductible.1

1Consult your tax advisor regarding deductibility of interest.
 Since we strive to get you the best rates, home equity loans may be provided by a third party.
For homeowners who need capital for home improvements, other purchases, or ready access to cash.


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