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Albion Banking Center

53 E State St
Albion, PA 16401
Phone: (814) 756-4138

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Albion Banking Center

Andover Banking Center

19 Public Square
PO Box 1300
Andover, OH 44003
Phone: (440) 293-7605

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Andover Banking Center

Ashtabula Harbor Banking Center

1630 West 19th Street
Ashtabula, OH 44004
Phone: (440) 964-8999

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Ashtabula Harbor Banking Center

Austinburg Banking Center

1853 Route 45
PO Box 273
Austinburg, OH 44010
Phone: (440) 275-3333

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Austinburg Banking Center

Conneaut Banking Center

339 State Street
Conneaut, OH 44030
Phone: (440) 593-6595

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Conneaut Banking Center

Andover Bank Corporate Headquarters

600 East Main Street
PO Box 1300
Andover, OH 44003
Phone: (440) 293-7256

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Andover Bank Corporate Headquarters

Edinboro Banking Center

212 Plum St
Edinboro, PA 16412
Phone: (814) 734-1655

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Edinboro Banking Center

Geneva Banking Center

665 South Broadway
Geneva, OH 44041
Phone: (440) 466-3040

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Geneva Banking Center

Jefferson Banking Center

150 North Chestnut Street
Jefferson, OH 44047
Phone: (440) 576-2265

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Jefferson Banking Center

Madison Banking Center

6611 North Ridge Road
Madison, OH 44057
Phone: (440) 417-0200

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Madison Banking Center

Millcreek Banking Center

2420 Zimmerly Rd
Erie, PA 16506
Phone: (814) 833-4550

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Millcreek Banking Center

Stow Loan Production Office

3924 Clock Pointe Trail, Ste. 101
Stow, OH 44224
Phone: (844) 259-5473

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Stow Loan Production Office

10 and 15 and 20 Year Fixed Rate Mortgages and Home Equity Loans | Andover Bank

High hopes. Low rates.
Endless possibilities.

Unbeatable rates for every home goal!

Home is where you live. Where you dream. And where you build those dreams. We’re here to turn your possibilities into reality. Save on your mortgage today with great refinancing options. Looking to remodel or make a major purchase? Our home equity solutions can make them happen.

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No Closing Cost Refi Mortgage
3.49% APR* 10-Year Fixed Rate
3.99% APR* 15-Year Fixed Rate
4.74% APR* 20-Year Fixed Rate

With our no closing cost refinance mortgage, now is the time to take advantage of low rates and shorter-term financing options - they are more affordable and attainable than ever. Don't miss the opportunity to save on your mortgage. You even get access to our special premium rate Affinity Checking.

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Home Equity Line of Credit
0.99% APR** 6-Month Intro Rate
3.00% APR** Variable Rate Thereafter

One of the smartest, most economical ways to borrow money is right at your fingertips: An Andover Bank home equity line of credit. Use your home's equity to tackle home improvements, buy a car, consolidate debt - just about anything. Right now, we'll even pay your closing costs!**

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Home Equity Loan
3.25% APR*** 5-Year Fixed Rate

A fixed-rate home equity loan is great for when you know the total cost of a project or expense and have a set timeframe for using the funds. With a low rate, you get the predictability of set payments for the life of the loan. Other terms are available too!

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Apply online or in person

Low rates and short terms mean you can save thousands in interest and accomplish your goals. With local, trusted guidance the whole way, you can't afford to not take advantage of these historically low rates!

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All Products - Annual Percentage Rates (APR) and interest rates include a preferred rate reduction of 0.25% for automatic payments from an Andover Bank checking product and are accurate as of 4/20/2022. Maximum 80% loan to value. All payments exclude taxes and insurance thus your payment will be greater than disclosed. Flood insurance may be required. Subject to credit approval with credit score of 740 or above. Not all applicants will qualify for advertised APR. Bank paid closing costs include drive-by appraisal fee, flood zone determination, tax service fee, limited lien search and government recording charges. Costs for optional services and interest due at closing are not included. If this loan is paid off within the first 36 months, you agree to reimburse Andover Bank the third-party origination fees the bank paid on your behalf, up to $500. Limited time offer. *First lien position on an owner-occupied primary residence. Refinances only, $30,000 new money with a maximum loan amount of $200,000. Loan available under $30,000 new money with borrower paid closing costs. Payment example: On a 10-year fixed rate loan with a base loan amount of $100,000 with an interest rate of 3.490% and an APR of 3.490%, the monthly payment would be $988.39. On a 15 year fixed rate loan with a base loan amount of $100,000 with an interest rate of 3.990% and an APR of 3.990%, the monthly payment would be $739.19. On a 20 year fixed rate loan with a base loan amount of $100,000 with an interest rate of 4.740% and an APR of 4.740%, the monthly payment would be $645.68. **1st or 2nd lien position on an owner-occupied primary residence. Minimum new loan amount of $20,000, maximum of $200,000. After the Introductory Period, the variable rate of the Line of Credit (LOC) will adjust monthly to The Wall Street Journal US Prime Rate minus a margin of .25%. Minimum APR of 2.75% after the introductory period, maximum APR of 18.00%. 15-year loan with a five-year draw period and ten-year repayment period. Minimum draw amount of $100. Repayment period with monthly payments of 2% of the outstanding balance. Making only minimum payments may result in a final balloon payment due. No closing costs. $50 annual fee, waived the first year. ***Second lien position on an owner-occupied primary residence. $20,000 new money with a maximum loan amount of $200,000. Loan available under $20,000 new money with borrower paid closing costs. Payment example: On a 5-year fixed rate loan with a base loan amount of $20,000 with an interest rate of 3.250% and an APR of 3.250%, the monthly payment would be $361.65.