Have cash on tap. Our home equity line of credit gives you anytime access to financing.



Financing for what really matters.

Use the value of your home to finance important expenses. Make wedding plans. Remodel your home. Repair your ride. Pay college costs. Consolidate debt. It’s your call.

Access funds anytime.

A HELOC is a revolving line of credit. That means you can access funds whenever you want — without having to reapply. It’s as easy as writing a check. Like any line of credit, you cannot exceed your credit limit. But you only need to make payments on the amount you borrow.

Lock in your rate.

You can convert an outstanding balance to a fixed rate at any time during the first 10 years of your HELOC. Other restrictions may apply. For more information, call 978-365-3700.

  • The equity in your home is used as collateral to secure the loan
  • Reuse as needed without reapplying for separate installments
  • Access your funds for up to 10 years
  • Lines start at $10,000
  • The interest paid may be tax deductible1
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Learn More

What you need to know about Home Equity Lines of Credit

HELOC Interest Only


How can I apply for a Home Equity Line of Credit?

You can apply online in just a few minutes. Once an application is submitted, you’ll hear back from a CSB Representative in one to two business days. Or, if you prefer, you can come into one of our convenient branch locations and work with a Relationship Banker to fill out the application.

What are your current Home Equity Line of Credit rates?

Check out our Rates Page for all of our current loan rates.

What is the difference between a Home Equity Line of Credit and a Home Equity Loan?

A Home Equity Line of Credit, or HELOC, is a revolving line of credit. You can draw from your line of credit as needed up to your credit limit. You only make payments on the amount you have drawn. A Home Equity Loan is a fixed rate term loan. Which means you will receive the full amount of your loan in one sum and repay your loan with monthly payments that remain equal over a fixed period. 

1Consult a tax advisor.