Your house is your most valuable asset, so use your home equity to get financing for your next major purchase. Use it to pay for new furniture, educational costs, a vacation, or even to renovate that very same home! Best of all, the interest on your loan may be tax-deductible, which can mean big savings! Consult your tax adviser to see if this may apply to you. 

Home Equity Line of Credit (HELOC)

HELOC is a revolving, pre-determined line of credit. Once your HELOC is established, you can borrow any amount up to your credit limit whenever you want. To access the money you simply write a check from your HELOC account or use Online Banking to transfer to your checking account. Repayment is flexible; you can pay the monthly interest only or include additional principal payments in an amount that you determine. 

Home Equity Loan

With a Home Equity Loan you receive a fixed interest rate and a fixed monthly payment. A Home Equity Loan is typically used for purchases which require a lump sum of money up front.

Loan Applications


Personal Checking Accounts

Options to fit your financial needs!

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(The Secure and Fair Enforcement for Mortgage Licensing Act)


Pine Island Bank = 654950 
Chris Nelson = 698014 
David Egger = 697685
Phillip Lien = 2223773