Here for you now and for everything that lies ahead.

No matter what your financial path may look like, a Home Equity Line of Credit from Lake Shore Savings Bank can be a smart lending option to help you move forward on your journey.

Now is the perfect time to discover the financial possibilities that are right inside your front door with a HELOC. Or, if you’re looking for other lending options, we have a full suite of mortgage and loan products tailored to fit your needs.

Apply online or stop by your local branch. All processing and decisions are made locally.

Use your HELOC to look ahead with confidence.

Cover a large expense

Consolidate your debt

Gain more financial flexibility


* 2.50% Annual Percentage Rate (APR) is available on Home Equity Lines of Credit (HELOC) during the 12-month introductory period. Offer is available for new applications submitted beginning June 1, 2020. Interest rate will be fixed at 2.50% for 12 months. After the 12-month introductory period, the APR is variable and is based upon index (Prime Rate as published in The Wall Street Journal ) plus a margin, and is subject to change as the Prime Rate changes. After the introductory period, rate reduction of 0.25% applies if borrower maintains autopay from a Lake Shore Savings deposit account. The rate will not vary above 15.00% APR or below 4.00% APR. As of April 10, 2020, the HELOC rates have ranged from 3.50% to 4.00% APR. Higher rates may apply due to increases in the Prime Rate or due to a lower credit score. Lake Shore Savings will pay all closing costs on HELOCs between $7,500 and $300,000. HELOCs less than $7,500 require borrower to pay all closing costs. For HELOCs ranging from $300,000 to $510,400, the following is paid by the borrower: appraisal amount above standard ($225), mortgage tax on amount above $300,000, and non-standard fees for a HELOC such as attorney fees or title insurance. If you cancel the HELOC within three years, you must reimburse us for certain fees. These fees will generally total between $660 and $4,500 (for a HELOC up to $510,400) plus non-standard fees, as applicable. HELOC is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required. Consult your tax advisor for details on the tax deductibility of interest. See an employee for more details.