Home Equity
& Home Improvement Loans

Home Improvement Options

Whether you’re turning your master bath into your own personal spa, or looking to upgrade your kitchen to be worthy of a top chef – Croghan’s Home Improvement Options will help you fall in love with your home again!

Check out our newly enhanced Home Improvement Options:

Use Your Home’s Equity
Borrow money for your home improvement project based on either the current or PROJECTED value of your home.

Personal Unsecured Home Improvement Loan
Borrow up to $12,000.


Home Equity Line of Credit

We don’t offer just any Home Equity Line of Credit, you can lock in part of your Line of Credit so the rate doesn’t go up. Borrow up to 80% of your home’s value and use it for whatever you want, whenever you want – and you only pay back what you use. Is it time to take the family on that much needed vacation? Are you looking to pay off some college loans or preparing to send a child to college? Are you considering consolidating your debt? If so, you can accomplish all of these with a Home Equity Line of Credit.

Lock Feature

You can lock in all, or a portion, of your outstanding balance to a fixed rate and term. As you pay down your “locked in” principal balance, your available balance is replenished for additional use at the variable interest rate and terms according to your contract. You can have as many as three individual “locks” on your line at any time. Each “lock” is subject to a fee of $100.00. Each “lock” has a separate monthly payment due from the equity principal balance owed. The minimum “lock” amount is $1,000.00 and at no time will the minimum monthly payment amount be below $50.00.



Contact Us Today!

Let’s get started on your Home Equity Line of Credit today. Send us a secure email, including your name, phone number and the local branch you frequent the most – we’ll have your banker contact you to get the application process started. Or, feel welcome to contact your local branch directly.



*All loans subject to credit approval.

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