Man and woman using a laptop in a room that is being renovated

Personal Line of Credit

Need a line of credit but, you don’t own your home? Our unsecured line of credit allows you to draw on your line as often as you like up to your available credit limit. You can use it for practically anything you want; home repairs, medical expenses, or even a dream vacation.

  • No fixed maturity date
  • Variable rate
  • Low minimum amount to borrow
  • Can be tied to your ENB checking account to prevent overdrafts.
  • Easy access to funds via check, transfer to checking using ENB Online Banking or transfer request made by phone or in person at any ENB branch office.
  • .50% discount with automatic payment from an ENB Checking Account
  • Tiered rates based on liquid net worth

Liquid net worth less than $500,000

Amount3
APR1
Monthly Payment/$5,0002
Amount3$500 – $4,999
APR112.25%4
Monthly Payment/$5,0002$152.03
Amount3$5,000 – $10,000
APR111.75%5
Monthly Payment/$5,0002$149.90

Liquid net worth between $500,000 – $999,999

Amount3
APR1
Monthly Payment/$5,0002
Amount3$500 – $19,999
APR19.25%6
Monthly Payment/$5,0002$139.28
Amount3$20,000 – 50,000
APR18.75%7
Monthly Payment/$5,0002$137.16

Liquid net worth greater than $1,000,000

Amount3
APR1
Monthly Payment/$5,0002
Amount3$500 – $49,999
APR17.25%8
Monthly Payment/$5,0002$130.79
Amount3$50,000 – $100,000
APR16.75%9
Monthly Payment/$5,0002$128.66

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Contact us and we’ll answer your questions.

1APR = Annual Percentage Rate. Effective August 01, 2019 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.  3This product is a variable rate line of credit based on Wall Street Journal Prime (WSJP), our standard rate, currently 5.25% as of 08/01/19, plus a margin between 2% and 7.5% determined by credit score, loan amount, and debt to income ratio, and will not exceed 18% APR. Monthly payment equals 2.00% of the principal balance outstanding on the last day of the billing cycle plus accrued interest ($25 minimum). 4The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 08/01/19, + 7.5% currently 12.75% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 5The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 08/01/19,+ 7.0% currently 12.25% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 6The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 08/01/19,+ 4.5% currently 9.75% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 7The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 08/01/19,+ 4.0% currently 9.25% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 8The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 08/01/19,+ 2.5% currently 7.75% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 9The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 08/01/19,+ 2.0% currently 7.25% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.