Heloc promotional image. 2.99% APR* introductory fixed rate for first 12 months and 4.00% APR** variable rate thereafter. No annual fees and no closing costs for loans under $250,000 when you set up an automatic payment from your camden national bank checking account prior to closing.

The possibilities are endless. 

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Common questions. 


A home equity loan has a fixed-rate. A line of credit has a variable interest rate that adjusts with the Prime Rate.
With a home equity loan, you make fixed payments of principal and interest. With a home equity line of credit, you are only required to make interest payments during the draw period.
With a home equity loan after closing, you get the entire loan amount in one lump sum. A line of credit is available for a long-term draw period, which you can access with home equity line of credit checks or through online banking.

Home equity lines of credit require interest-only payments during the draw period. However, you can pay both interest and principal if you choose.


*APR (Annual Percentage Rate). This limited time offer will be available if you submit your application between March 6 and June 2, 2017. The terms of the offer (which are subject to change or withdrawal by us at any time) are as follows (1) Available only on new lines of credit with a minimum loan amount of $35,000 (2) A Camden National Bank checking account is required (3) Offer only for first and second mortgages on primary residences and second homes; mobile homes and seasonal cottages are excluded from this offer. (4) A minimum draw of $20,000 is required. (5) Loans $250,000 and greater you pay only title and appraisal fees (see disclosures for details). (6) Prepayment penalty of $450 if closed within 3 years. (7) Loan product is available to qualified applicants who meet the Bank’s current loan underwriting guidelines. (8) Other terms and conditions may apply.

**After the initial 12 months of the fixed interest rate of 2.99% APR, the non-discounted variable interest rate will equal the highest domestic “prime rate” published in the Wall Street Journal, Eastern Edition, plus 0% with a minimum floor of 3.50% APR. The prime rate from the Wall Street Journal was 4.00% as of 3/17/17.

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