Trustco Banks Groundhog Day Sale!

6 Month Intro
0.99% APR*
After Intro
3.25% APR
Line of credit up to $300,000

Beyond a Shadow of a Doubt. The Best Choice for your Home Equity Credit Line!

  • No fees or closing costs1
  • Fixed 6 month introductory period
  • 1st or 2nd mortgages for up to $300,000
  • Low variable rates
  • Fast decisions
  • No appraisal fees or origination fees
  • Quick application process
  • Easy check writing access to the line of credit


Contact Us Online

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Promotional period is 2/1/2021 to 2/28/2021.
* For new home equity line of credit customers only. Not Available to current Trustco Bank Home Equity Credit Line customers. Annual percentage Rate (APR) current as of 2/1/21. The APR is fixed for the first 6 months. After the first 6 months, the APR is a variable rate for the remaining life of the loan based on the Prime Rate, which currently is 3.25%. Includes autocharge discount of 0.125%. APRs are variable and subject to change weekly based on the Wall Street Journal Prime Rate, which is currently 3.25% effective March 16, 2020. The maximum rate is 16.00% APR. the term is based on a 10 year draw period and a 20 year repayment period. Property insurance required and flood insurance may be required.
1 - If you terminate your loan within 3 years of your closing date or do not advance $15,000 at closing, you will be required to reimburse Trustco Bank for any third party fees that may have been paid on your behalf. Third party fees include mortgage tax and mortgage filing fee totaling $570, based on a $50,000 line at a 1% tax rate. Mortgage tax and filing fees may vary by mortgage document county and state. Consult a tax advisor regarding tax deductibility of interest. Please note: Subject to credit approval. All rates subject to change. We reserve the right to alter or withdraw this product or certain features thereof without prior notification. NMLS# 474376