SPRING into some new projects with a HOME EQUITY LOAN!

Ready to get started?  Fill out the HELOC application form below

Are you ready to put yourself in a position to write your own loans? Come into a Paducah or Louisville, Kentucky branch today to apply for a Home Equity Line of Credit. Once you're approved, you can access money any hour of the day or night using special checks or online and mobile banking tools.
  • 0.99% Introductory Interest Rate* 
  • No closing costs for 6 months*  
Call, email or schedule an appointment with one of our lenders for any questions.


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*ALL LOANS ARE SUBJECT TO CREDIT REVIEW AND APPROVAL. Home Equity Line of Credit: 0.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit for first or second liens on your primary or secondary residence with an 80% loan-to-value (LTV) or less. The Introductory Interest Rate will be fixed at 0.99% during the first 6-month Introductory Period. An Introductory Rate of 2.99% will apply for an LTV above 80%. After the 6-month Introductory Period, the APR is variable and is based on the Prime Rate as published in the Wall Street Journal Money Rates table (the index) plus a margin. As of February 24, 2022, the variable rate for the Home Equity Line of Credit ranged from 3.25% APR to 7.25% APR. Rates may vary due to a change in the Prime Rate, an LTV above 60% and/or a credit score of less than 740. A Paducah Bank personal checking account is required to receive the lowest rate, but is not required for loan approval. The rate will never exceed 21% APR, or applicable state law, or fall below 3.25% APR. Loans are subject to credit approval and other program guidelines. The minimum allowable line amount is $10,000 and the maximum allowable line amount is $250,000. An early closure fee of 2% of the credit limit, up to $500 will apply if the line is paid off and closed within the first 3 years. Property insurance, including flood insurance if applicable, is required. Other restrictions may apply. Customers pay no closing costs. An annual fee of $50 will be added to the line balance at each anniversary. The required monthly payment will be equal to the accrued interest in each month.

WOW! Perks with Interest Checking

Gain greater rewards and earn interest on your deposited money.