A variable-rate Home Equity Credit Line¹ lets you borrow against the equity in your home for a variety of purposes.

  • Consolidate higher interest rate loans
  • Take a well-deserved vacation
  • Make needed home improvements
  • Be prepared for unforeseen emergencies

Lock in a fixed rate on all or some of the available balance from your Home Equity Credit Line to take advantage of fixed monthly payments.

Getting started is quick and easy. Visit us online at nsbank.com/hecl or talk to a banker today.



1. Loans subject to credit approval; terms and conditions apply. Offer is subject to change at any time. Minimum loan amount is $10,000. Minimum draw amount to avoid $30 fee is $500. Collateral must be owner-occupied, primary or secondary (no rentals) single family residential property, located in Nevada, with a maximum 85% loan to value. Properties for sale are not eligible. Property insurance is required, and other restrictions or conditions may apply. Effective June 4, 2019 and is subject to change at any time. 1.99% introductory APR is fixed for the first 6 months of account opening; variable APR of 5.50% - 7.625% after that. The variable APR is based on the Prime Rate as stated in The Wall Street Journal plus a margin and is subject to change without notice. Maximum APR is 25%. The interest rate will change effective with changes in the Index. Proceeds may not be used to refinance an existing home equity credit line unless the home equity credit line commitment amount is increased by at least $20,000, OR the existing Home Equity Credit Line is within its repayment period or the last 12 months of its draw period. An early closure fee will apply if line is closed within 36 months of the initial loan closing date. Other loan options are available. See banker for details. NMLS #467014

2. Terms and conditions apply. See a banker for full details. EquityLock structured repayment options are closed-end, fully-amortizing loans utilizing funds up to the maximum credit limit of your Home Equity Credit Line at a fixed 4.49% APR for up to 120 months (10 years). Minimum loan amount is $5,000. Requests will be honored during the promotional period only; application must be submitted by June 30, 2019 with a funding date of August 31, 2019. EquityLock addendum must be signed in branch. Funds may not be used to refinance an existing home equity credit line unless the home equity credit line limit is increased by $20,000 and the EquityLock is established for $20,000 more than the existing HECL payoff. A maximum of three EquityLock structured repayment options are allowed at any one time. Any EquityLock requested after this promotional period will be subject to your Home Equity Credit Line Agreement terms and conditions. All other terms and conditions from your Home Equity Credit Line Agreement remain in effect. See banker for details. NMLS #467014

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