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Lower current interest rates and make the purchases you've been postponing with a Home Equity Line from Baylake Bank!*

Budgeting for both the expected as well as unexpected needs of a family is not easy. Property maintenance, vehicle upkeep, and managing daily finances and payments of higher-cost credit cards can sometimes leave you with little left over on a monthly basis.

Baylake Bank is here to help you make the most of your money and your home’s equity. We’ll work with you to help you pay for today’s purchases as well as plan for tomorrow’s dreams.
 

Whatever the good life means to you, we can help you get there!

Make it Happen with a Home Equity Line:  Your Equity is as Good as Cash

Finance vacations.  Vacations, celebrations, family reunions ...when planning your next "big event"...

Remodel your home.  It’s one tool you won’t find at the local hardware store, but the right financing is the key to creating your dream home.

Consolidate your debt.  Short ones, tall ones, big ones, small ones! Interest may even be tax deductible!

Pay for college.  Your children’s education is truly priceless. The equity in your home can help!

Now you can use your home to obtain that cash quickly, efficiently and at an interest rate lower than most forms of consumer credit. It's as simple as opting for our Home Equityline.  (Credit approval required)

To use your Home Equityline, you'll receive special checks FREE which can be used much like a regular checking account. Simply write out a check of $500 or more, and you'll get the dollars you need for that special purchase or investment.

Once you qualify, a Home Equityline or loan can be especially useful when you need, or want, available cash for expenses such as college tuition, unexpected medical bills, debt consolidation, a major purchase such as an auto or boat, a dream vacation, or more.

**Introductory Rate of 2.49% Annual Percentage Rate (APR) as of 10/21/2011 is fixed for the first 9 months only and is available on lines with a loan to value (LTV) ratio of 80% or less, minimum credit score of 720, and required auto payment from a Baylake Bank checking. After the introductory rate period, the variable rate reverts back to the “floor rate of 5.00%” or the fully indexed rate, whichever is higher. The fully indexed variable rate for lines of credit equals “index plus margin” and ranges from Prime + 1.00% to Prime + 2.00%. (Prime means the prime rate published in the Wall Street Journal.) The margin is determined by the LTV ratios. Monthly interest only payments required. Available on revolving lines of $10,000 to $250,000 for new relationships or increases of at least $10,000 on current Baylake Bank lines to individuals of owner-occupied homes. After the introductory period, the APR will not exceed 18.00% or be less than 5.00%. There is an annual fee of $50 after the first year.

All loans are subject to Baylake Bank credit criteria including property and flood insurance as applicable. Monthly payments do not include taxes and insurance premiums. Closing costs vary from $125 to $1,500. Other fees and restrictions may apply. Conversion Option Lock fee of $50 may apply. Not valid with any other offers. All terms and conditions are subject to change at any time. Consult your tax advisor regarding deductibility of interest.

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Baylake Bank | 217 N. 4th Avenue,  Sturgeon Bay, WI 54235-2405
(920) 743-5551   (800) 267-3610
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