A line of credit gives you the flexibility to borrow additional funds from the bank when you need them, without the hassle of applying for a new loan every time you need extra cash. You apply once, and you can access your credit line for a draw period of up to 10 years. We also offer flexible payment options that give you the choice of paying back only the interest, or interest plus a portion of the principal, each month. Standing Stone’s lines of credit include:

Home Equity Lines of Credit

A home equity line of credit is secured by the earned equity in your home, which means you can often benefit from a more competitive interest rate than other loans or lines of credit. You can use your funds for purchases, debt consolidation, home improvements, education expenses, or a variety of other financial needs.

Cash Reserve Line of Credit

Why worry about paying an expensive overdraft fee? Standing Stone’s cash reserve line of credit is attached directly to your checking account, giving you the flexibly to access additional funds when you need them and protecting you in those ‘just in case’ or ‘cutting-it-close’ moments.

Personal Lines of Credit

Standing Stone also offers non-secured lines of credit to meet our customers’ unique needs.

For current rates, more information, or to set up an appointment with a loan officer, please contact either This e-mail address is being protected from spam bots, you need JavaScript enabled to view it  or This e-mail address is being protected from spam bots, you need JavaScript enabled to view it .

You may also contact us by phone at 740-653-5115.