Home Improvement in Your Own Backyard
Has Never Been Easier!
Grow Local with CCB! Dreaming of a new patio, updated kitchen, or the perfect backyard getaway? With a Home Equity Line of Credit (HELOC) from CCB, your plans are closer than you think.
- Flexible access to funds when you need them.
- Locally made decisions, fast approvals, and personalized service.
Rates as low as 4.95% APR for the first six billing cycles.
Variable APR as low as 7.500% to 8.750% thereafter.*
Local Decisions, Local Support with CCB
Grow Local with CCB means your financing stays rooted in your community – supporting the local economy, creating opportunity, and helping neighbors thrive. Every step we take is made right here- not in an office hundred of miles away. We’ve been locally owned and operated since 1902 and reinvest in the people and places we serve, because we’re all in this together.
Ready to get started? Use the contact form here or stop by your nearest branch today.
Yes, I am interested in learning more about a CCB HELOC!
*APR – Annual Percentage Rate. Rates as low as 4.95% APR for the first six billing cycles. Variable APR as low as 7.500% to 8.750% thereafter. Based upon a loan amount of $100,000. Please contact for “Introductory Rates” on other loan amounts. The introductory (“Introductory Rate”) variable Annual Percentage Rate (APR) will apply to the Credit Account until the end of the Monthly Statement Period that includes the last day of the 6th full calendar month beginning after the date the Credit Account is opened (“Introductory Period”). Thereafter, the APR, including the APR on any existing balance, will convert to the applicable non-discounted variable APR for the life of the line. The non-discounted variable APRs may vary monthly based on changes in the Prime Rate as published by The Wall Street Journal. Prime rate as of 12/19/2024 = 7.50%. The non-discounted variable APR will be between Prime + 0% (currently 7.50%) and Prime + 1.250% (currently 8.75%) for variable rate lines of credit between $7,500 and $250,000. The maximum APR is 15.9%. No minimum APR after the Introductory Period. Minimum monthly interest only intro payment for $100,000 at 4.95% is $412.50. Minimum monthly interest only payment for $100,000 at 7.50% is $625.00. Minimum monthly principal and interest payment for $100,000 at 7.50% is $927.01. 120-month interest only draw period followed by 180-month payback period. May be Primary or Secondary Residence. Not for the purchase of homes. All loans are subject to credit approval and appraisals. Maximum loan to value is 85%. Must be first or second lien position. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3-year recapture. Closing costs will range from approximately $728 to $3,291. If borrower cancels the line of credit before 3-years, they will be required to reimburse Cattaraugus County Bank for all third-party origination fees. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower. Property insurance is required, and flood insurance may be required. Payments do not include amounts for taxes and insurance premiums; actual amounts will be greater. Consult a tax advisor regarding the deductibility of interest. Rates subject to change without notice. Offer may be changed or withdrawn at any time. Terms and conditions apply.