Home Download Acrobat Reader 5.0 or higher to view .pdf files. St. Johns Bank & Trust PERSONAL BUSINESS SERVICES CONNECT SEARCH LOGIN Home Equity St. Johns Bank Home Equity Loan or Line of Credit It's comforting to know that a St. Johns Bank Home Equity Loan or Line of Credit can help you handle just about anything that comes along. Home Equity Line of Credit Special Promotion Home Equity Lines of Credit Variable APR for as low as 2.25% APR* first 12 months then as low as 2.75% APR* Apply online or at any branch. Estimate Your Available Home Equity *Consult your tax advisor regarding the deductibility of interest. Offer of credit is subject to credit approval. *Promotional rate is for new loans only. 2.25% APR applies to properties with loan-to-value of 75% or less. The promotional rate of Prime minus 1% is for the first 12 monthly billing cycles and will reprice to Prime minus 0.50% for the remaining term. Promotional rate for properties with loan-to-value of 76%-85% is Prime minus .50% floating for first 12 monthly billing cycles, then reprices at Prime floating for the remaining term. Annual Percentage Rate (APR) will vary with Prime Rate as published in the Wall Street Journal. Proof of adequate property insurance is required.10-year term. Payments based on 20-year amortization. Minimum payment will not fully repay the loan in 10 years, and your final payment will be a balloon payment. Minimum line of $10,000. Maximum APR of 20%. No closing costs; if appraisal is needed, appraisal is paid for by borrower. Offer is subject to credit approval. Offer subject to change without notice. HOME EQUITY LINE OF CREDIT HOME EQUITY LOAN HELP CENTER We’ve compiled a list of frequently asked questions to help serve you. Get Answers SECURITY Identity Theft can target anyone – stay safe with these simple guidelines. Security Education PERSONAL VISA DEBIT CARD Offering the convenience of cash with the security of Visa. Your Visa Debit Card does everything an ATM card can do plus it allows you to purchase goods and services worldwide. Order Your Card Today St. Johns Bank & Trust CONNECT Locations Contact Us Careers HELPFUL LINKS Lost or Stolen Card Reorder Checks (Opens in a new Window) FAQs DISCLAIMERS Privacy Statement Terms of Use USA PATRIOT Act Security Center Facebook LinkedIn Twitter © 2021 St. Johns Bank & Trust Member FDIC Equal Housing Lender Created by Banno