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Western State Bank

Home Equity Loan Special Offer

What Moves You? 

With home equity loans and lines at .99%* for the first six months (starting at 2.50% APR**), you can use your home equity for what you need. Whether it's upgrading to your dream kitchen, improving your outdoor space, or adding more room for your growing family, we're here to help make it happen. Contact a personal banker for details or apply online today.

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Offer Details

  • .99%* for the first six months (starting at 2.50% APR**)

  • $10,000 minimum loan required

  • Available through July 31, 2021

Choose a bank that's focused on you.


Bauer Financial Band Building
Five Star Superior Rating by Bauer Financial Founded in 1902



Full-service banking including personal, business, mortgage, and investments FDIC-insured


Interested in a personal loan?

Learn more about our consumer loan special, with rates on personal loans starting at 2.99% APR.


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*Initial Interest Rate will be in effect until 6 months from loan closing/account opening date, likely resulting in five or fewer payments with this rate in effect depending on your first payment date. Borrower will be responsible for fees charged by third parties related to the opening of the account. These fees generally total between $0 and $5,000. If you only make the minimum payments during the loan you may be required to pay a larger balloon payment at maturity. See your banker for details.

Additional Information for Home Equity Lines of Credit and Home Equity Flex Lines: Following your 6 month promotional rate of 0.99% (0.002712% daily periodic rate), your interest rate will become variable based on Wall Street Journal Prime (currently 3.25% effective March 31, 2021) plus applicable add-ons (margin) added in accordance with our pricing guidelines and subject to minimum rate of 4.00% (0.01096% daily periodic rate) and maximum of 18% (0.0493151% daily periodic rate). This will likely result in an increased minimum payment amount.

Additional Information for Home Equity Term Loans: Following your 6 month promotional rate of 0.99%, your interest rate will transition to a higher fixed interest rate based on lender pricing and borrower qualifications. This rate is for the remaining term of your loan and will be disclosed prior to loan origination.

**Annual Percentage Rate. Offer Available on applications received through July 31, 2021. Available upon credit approval. 0.99% interest rate in effect for six months from loan closing/account opening, followed by a transition to your qualified rate as determined prior to loan closing in accordance with pricing guidelines. The disclosed Annual Percentage Rate assumes a Home Equity Term Loan, Home Equity Flex, or Home Equity Line of Credit with a one year term and an initial interest rate of 0.99% (0.002712% daily periodic rate) for the first six months, followed by an interest rate of 4.00% (0.01096% daily periodic rate). The quoted interest rate would be available as of March 31, 2021 on these home equity products for well-qualified borrowers with auto pay from a Western deposit account, not concurrently closing a home loan with the bank’s mortgage department, or choosing to close the loan with a title company or other closing agent. This interest rate will be disclosed at or before the time of loan closing/account opening.

Promotion applies to new loans only. Minimum loan amount of $10,000. Offer not valid on Construction, Bridge, Renovation, Bare Lot, or other temporary financing requests. See your banker for details. Member FDIC.

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