Put Your Home to Work.
Turn your home's equity into financing that home improvement or other big expense!
Secure a loan using your home's equity as collateral and receive funds in one lump sum. Use what you need, when you need it up to your available limit. Then, pay off and use again without having to reapply! A HELOC is an easy way to access funds.
Introductory Rate
5.99% APR*
For the first 6 months of the loan
Then, as low as
7.50% APR*
Variable for the life of the loan
6 Month HELOC Introductory Rate:
- New HELOCs of $25,000+
- Increases in current lines of $25,000+
- PCB deposit account is required
Benefits of a PCB HELOC:
- Competitive rates
- Local in-house processing for faster decisions
- Flexible terms for affordable payment plans
*APR = Annual Percentage Rate. Offer is only available for new lines of $25,000 or more and line increases of $25,000 or more. A PCB deposit account is required. For each of your first six (6) billing cycles, the monthly Periodic Rate for your average monthly balances will be 5.99% APR. Beginning with your seventh (7th) billing cycle the Periodic Rate and the corresponding APR for your average monthly balances will be based upon your contracted rate which will be a variable rate based upon the Wall Street Journal US Prime Rate which was 7.50% as of 4/1/2025. The maximum annual percentage rate that can apply is 24%, or the maximum annual percentage rate allowed by applicable law, whichever is less. Your contract APR will be based on several factors, including your credit history, loan to value ratio, property type and lien status. A sample monthly principal and interest payment based on $25,000 at 7.50% amortized for 120 months is $296.75. Terms and conditions subject to change without notice. Subject to credit approval.
For Home Equity Lines of Credit (HELOC) with a credit limit of $25,000 up to $250,000, PCB will pay the closing costs. HELOCs with a credit limit above $250,000, PCB will pay up to $2,000 towards closing costs. The closing costs depend on the location of the property and the amount of the loan. Homeowners insurance will be required, and flood insurance may also be required. Owner occupancy required. HELOC accounts paid off and closed in less than three years (36 months) from the origination date will be subject to a pre-payment penalty of 1% of the total line of credit amount.