Got a BIG idea? We've got the Home Equity Loan you need! 10 YEAR FIXED RATE 5.95% Need to pay off credit card debt? Or maybe start that home project you've been putting off? Now's the time to lock in a great rate with a Home Equity Loan from ESSA Bank & Trust Member FDIC ONGK NMLS ID #449372 *APR-Annual Percentage Rate. Rate is effective as of 3/13/23 and is subject to change without notice. The rate shown is indicative of a rate for a borrower with a 720 or higher credit score and an 80% or less combined loan-to-value ratio secured by a 1-2 family dwelling occupied as the borrower's principal residence. The APR Shown includes a 0.50% discount with an automatic payment transfer from an ESSA checking account. Rates may differ among borrowers based upon various factors including credit score and loan-to value. The monthly payment for a 10-year loan at 5.95% would be $11.08 per thousand borrowed. Other rates and terms available. All loans are subject to credit approval. Borrower is responsible for mortgage recording fees at closing, which range from $106 to $215 and are based on collateral location Property insurance and flood insurance, if applicable, are required. Title insurance is required on loans amounts greater than $350,000. Got a BIG idea ? We've got the Home Equity Loan you need ! 10 YEAR FIXED RATE 5.95 % Need to pay off credit card debt ? Or maybe start that home project you've been putting off ? Now's the time to lock in a great rate with a Home Equity Loan from ESSA Bank & Trust Member FDIC ONGK NMLS ID # 449372 * APR - Annual Percentage Rate . Rate is effective as of 3/13/23 and is subject to change without notice . The rate shown is indicative of a rate for a borrower with a 720 or higher credit score and an 80 % or less combined loan - to - value ratio secured by a 1-2 family dwelling occupied as the borrower's principal residence . The APR Shown includes a 0.50 % discount with an automatic payment transfer from an ESSA checking account . Rates may differ among borrowers based upon various factors including credit score and loan - to value . The monthly payment for a 10 - year loan at 5.95 % would be $ 11.08 per thousand borrowed . Other rates and terms available . All loans are subject to credit approval . Borrower is responsible for mortgage recording fees at closing , which range from $ 106 to $ 215 and are based on collateral location Property insurance and flood insurance , if applicable , are required . Title insurance is required on loans amounts greater than $ 350,000 .