Save thousands on a Home Equity Line of Credit! 

Need money for home improvements? Want to get a rate that is 1% less than Prime over the LIFE of the loan with no Liberty closing costs? If so, a Home Equity Line of Credit (HELOC) may be a wise choice. Act now and get a bonus gift card worth $250 at Lowes.

Use a Home Equity Line of Credit to:

  • Renovate your kitchen or bathroom
  • Pay off high-interest credit card debt
  • Replace your roof or do a home repair
  • Take care of an education expense
  • Cover some other big-ticket expense

A Home Equity Line of Credit (also called a HELOC) allows you to tap into the equity you've built in your home, providing you with a flexible and affordable way to access funds. 




Liberty is a small community bank that's big on you.
Ask about getting rates as low as 1% below Prime for the life of the loan today... Plus a bonus, today!

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Why choose a Home Equity Line of Credit from
Liberty Savings Bank?

fast money2-08


Our streamlined process and excellent customer service make your application fast and easy.



flexible withdrawals

Access funds when you need them, at your convenience.



Potential tax benefits

Convenience in banking is key. Use our mobile app to view your account balance, transfer money, and more.




Since 1995, Liberty Savings Bank has helped thousands of people in the Sarasota-Manatee County area with their home loan needs. We know you and will be your guide every step of the way.


"Hands down the best service a customer could ask for."

- Scottie, a Liberty Savings Bank Customer

*This offer is available for properties located in Florida only.  If you are located outside of Florida, ask about the nationwide program and disclosure.  The APR (Annual Percentage Rate) is based on the Prime Rate as published in the Wall Street Journal, plus or minus a margin, and will vary with the Prime Rate throughout the life of the loan.  Prime Rate is 8.50% as of 12/08/2023.  The maximum APR is 18.00%.  The minimum APR is 5.00%.  A minimum credit score of 760 is required to qualify for the 1% rate reduction margin.  Other credit scores may be acceptable with other available margins.  All applications are subject to credit approval.  Liberty will pay closing costs to include standard fees for credit report, valuation report, flood determination, tax service fee, title search.  Extraordinary fees incurred for unforeseen circumstances may be charged to the Borrower.  For properties located in FL, an intangible and documentary tax fee up to 0.55% of your loan amount will be required to open the account (payable to the County where the subject property is located).  Annual fee of $75.00 applies.  A $300.00 Early Termination Fee will be charged if the line is paid in full and closed within the first 36 months following line opening.  This offer is available for Second Lien HELOC loans only.  Rates subject to change.  Additional terms may apply.  Property insurance (and flood insurance, if applicable) must be maintained on the subject property at all times.

**Must originate a second lien HELOC at Liberty Savings Bank to get the $250 gift card. Gift cards will be sent approximately 2 – 4 weeks after the loan originates.  Gift cards will be ecards sent to the email address listed on the loan application. Liberty Savings Bank is not affiliated with Lowe's. Lowe's is not a sponsor of this promotion. Lowe's and the Gable Mansard Design are registered trademarks of LF, LLC.