Put your good credit to work! Buy a home, add a room, upgrade a kitchen, pay for an education, consolidate bills, or get the extra cash you need for any purpose. With a wide range of loan options to choose from, you can find a program that meets your needs and fits your budget!


You’ve provided for your home, now let it provide for you.

  • Competitive rates
  • Affordable payments
  • Potential tax savings (consult your tax advisor regarding the deductibility of interest and other charges)

More details

Home Equity Loan

  • The money you need – Receive a one-time lump sum that can be used for almost any need
  • Competitive fixed rates – With rate discount for automatic payment from a qualifying Mechanics Bank account
  • Fixed monthly repayment term – Makes for easy budgeting and planning
  • Possible tax savings – Interest and other charges may be tax deductible (contact your tax advisor for more information)
  • Qualify for a Home Equity Loan between $10,000 - $500,000 with your lendable equity at 80% of your home’s appraised value minus your mortgage balance

Home Equity Line of Credit

  • Easy Access – Tap into your home’s equity whenever you need it: write a check, go online or visit a branch
  • Competitive adjustable rates – With rate discount for automatic payment from a qualifying Mechanics Bank account
  • Low payments – Monthly payments based on the rate and your outstanding balance, and interest only payment options during draw period
  • Possible tax savings – Interest and other charges may be tax deductible (contact your tax advisor for more information)
  • Qualify for a Home Equity Line of Credit in the amount of $10,000 - $500,000 with your lendable equity at 80% of your home’s appraised value minus your mortgage balance

To get started

Call 800.797.6324 or stop by your local branch.


Sometimes you just need extra cash!

  • No collateral – Just your signature required
  • Fixed monthly payments
  • Discounted rate – When linked to automatic payments from a qualifying Mechanics Bank account
  • Use for anything – No limits on how to use the funds

To get started

Call 800.797.6324 or stop by your local branch.