. 15 YEAR FIXED RATE HOME EQUITY LOAN SPECIAL % 5.77 PR* Turn your home's equity into cash for things like home improvements, travel, or consolidating debt. Benefits of our Home Equity Loan Predictable repayment schedule for . life of the loan The interest may be lower than other lines of credit since the line is secure Save time and money by automatically deducting from your ESSA Bank checking account at a reduced interest rate A friendly banker will be by your side through your entire process Different look, same commitment, and always here for you. Stop in and talk to your friendly banker today to discuss your home's equity! ESSA Bank A division of CNB Bank ESSABank.bank | 1-855-713-8001 Scan the QR code to learn more. ***** PRIVACY.FLOWCODE.COM *Annual Percentage Rate (APR) is subject to credit qualification, based on FICO score. Promotional rates will apply with $10,000 new money. Rates are effective February 23, 2026 and are subject to change. Fixed rate home equity loan. Based on 30 days to first payment if you borrow $50,000 for 180 months, at 5.59% (5.77% APR) you would have a payment of $410.93. Payment quoted does not include debt protection, taxes or insurance, if applicable the actual payment obligation will be greater. The disclosed rate requires a credit score greater or equal to 680, and an eligible ESSA Bank checking account with auto-charge enabled for the payment. Appraisal fee may apply. Not for the purchase of homes. 85% maximum loan to value. Property insurance is required and flood insurance may be required. Other rates and terms available. All loans are subject to approval, and some fees and restrictions may apply. MEMBER FDIC NMLS ID #410748 LENDER EQUAL HOUSING . 15 YEAR FIXED RATE HOME EQUITY LOAN SPECIAL % 5.77 PR * Turn your home's equity into cash for things like home improvements , travel , or consolidating debt . Benefits of our Home Equity Loan Predictable repayment schedule for . life of the loan The interest may be lower than other lines of credit since the line is secure Save time and money by automatically deducting from your ESSA Bank checking account at a reduced interest rate A friendly banker will be by your side through your entire process Different look , same commitment , and always here for you . Stop in and talk to your friendly banker today to discuss your home's equity ! ESSA Bank A division of CNB Bank ESSABank.bank | 1-855-713-8001 Scan the QR code to learn more . ***** PRIVACY.FLOWCODE.COM * Annual Percentage Rate ( APR ) is subject to credit qualification , based on FICO score . Promotional rates will apply with $ 10,000 new money . Rates are effective February 23 , 2026 and are subject to change . Fixed rate home equity loan . Based on 30 days to first payment if you borrow $ 50,000 for 180 months , at 5.59 % ( 5.77 % APR ) you would have a payment of $ 410.93 . Payment quoted does not include debt protection , taxes or insurance , if applicable the actual payment obligation will be greater . The disclosed rate requires a credit score greater or equal to 680 , and an eligible ESSA Bank checking account with auto - charge enabled for the payment . Appraisal fee may apply . Not for the purchase of homes . 85 % maximum loan to value . Property insurance is required and flood insurance may be required . Other rates and terms available . All loans are subject to approval , and some fees and restrictions may apply . MEMBER FDIC NMLS ID # 410748 LENDER EQUAL HOUSING