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FDIC
The standard insurance amount currently is $250,000 per depositor. The $250,000 limit is permanent for IRA's and other certain retirement accounts. The $250,000 limit is temporary for all other deposit accounts through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.
KeyEQUITY Line of Credit

Unlock your Financial Freedom

with a KeyEQUITY Line of CREDIT


Benefits of a KeyEQUITY Line of Credit

MAXIMUM FLEXABILITY
A KeyEquity Line of Credit is a form of revolving credit in which your home serves as collateral. Based on the available equity in your home, you can access as much or as little of your approved credit as you need at any time, providing you with maximum flexability. KeyEquity is subject to applicants credit approval.

EASY ACCOUNT ACCESS
Once approved for a KeyEquity Line of Credit, you will be able to borrow up to your credit limit whenever you want. You can access your KeyEquity Line of Credit by using special KeyEquity checks.

ONLINE ACCOUNT MANAGEMENT
With a KeyEquity Line of Credit, you can manage your account online anytime, day or night.

COMPLETELY CONFIDENTIAL
Use the funds anyway you choose - you decide when, how, and on what!

CONVENIENT REPAYMENT
Your interest is billed monthly, and you have seven years to repay the principal at your convenience (the "draw period"). When the draw period ends, you will be required to pay off any existing balance on the line or refinance through a variety of options available from Herrin Security Bank to qualified applicants.
You can also have the interest automatically deducted from your checking account monthly.

TAX DEDUCTIBLE
When you itemize your taxes at the end of the year, interest paid on your KeyEquity Line of Credit may be tax deductible. Consult a tax advisor regarding the deductibility of interest.

Give us a call or come in and see one of our knowledgeable loan representatives for all the details.

Convenience and personal service are yours at Herrin Security Bank.

Many Ways to Use Your KeyEQUITY Line of Credit

The following uses may provide some ideas for getting the most from your home's hidden value;

DEBT CONSOLIDATION
Exchange all your high-interest credit for one low monthly payment.

HOME IMPROVEMENT
A new bathroom or an expanded great room may also add value to your home.

MEDICAL and DENTAL EXPENSES
Avoid additional burdens by using your KeyEQUITY checks for medical, orthodontia and hospital costs.

AUTO-BOAT-MOTORCYCLE PURCHASES
Enjoy convenience without additional financing worries, when you are ready to buy and the deal is right.

PAY FOR A WEDDING
Charge floral and catering costs to your low-interest line of credit.

INSTALL A SWIMMING POOL
Add a splash of fun to your summer.

COLLEGE EXPENSES
Use your KeyEQUITY checks to pay the high cost of tuition, books and housing.

For more information Contact Us
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