The Community Bank is a home equity line of credit from Community Bank. The annual fee is No annual fee. The ongoing APR is Post-Introductory Rate 7.00% APR* (variable; APR equal to NY Prime Rate adjusting daily with a minimum APR of 5.00% and maximum APR of 18.00%; current APR as of 10/1/26). Typical credit limit: Minimum Line of Credit Amount $25,000. Loan terms: HELOC Term: 120 months (1st lien position, single-family owner-occupied residence); 120 months (2nd lien position, line of credit $250,000); 60 months (2nd lien position, line of credit $250,000 to $500,000). Payment options: Interest only or 2% of outstanding balance, with a balloon payment at maturity..