If you are like most people, your biggest asset may be your home. A home equity line or loan from Bay State Savings Bank unlocks the value of your home to pay for home improvements, tuition, bills, credit card consolidation, new cars, and anything else you may want or need. Benefits of our home equity products include: No closing costs* No annual fees* Low interest rates No application fees Friendly and knowledgeable staff who care about your needs NOTICE: Our home equity lines and loans are only available where the home securing the loan serves as your primary residence or second home and is located in Massachusetts or New Hampshire. Home Equity Lines of Credit Flexible Repayment – Pay the minimum due, entire balance or amount in between. Flexible Terms – Access your line throughout the first half of the loan term, then repay the balance throughout the second half of the loan term. Personalized Equity Checks – Write yourself a check to access your line of credit whenever you need to. Pay Interest Only on What You Borrow – Only pay interest when you use your credit line. Unlimited Advances up to Your Available Credit Limit – A revolving credit line provides the financial flexibility to draw from your available funds whenever you need to. View Rates Home Equity Loans Fixed Monthly Payments – Easy to manage, predictable monthly payments. Fixed Terms – Select an available repayment term that meets your financial goals. One Lump Sum Advance – Allows you to pay for major purchases over a period of time easily and affordably. No appraisals for loans under $100,000 or when the LTV is less than 80%. View Rates