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Start Investing with as little as $10, right from Crews Bank & Trust Online or Mobile Banking. 
Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal. Fees may apply.

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Home Equity Lines of Credit

Hurricane season is unpredictable. Your finances shouldn’t be.

A Home Equity Line of Credit (HELOC) with a no-cost closing gives you access to funds when you need them most.

CBT HELOC

Home Equity Made Simple

A Home Equity Line of Credit (HELOC) with: 

  • No-Cost Closing

  • No Payments Until You Use It.

Request a Free, No Obligation HELOC Quote

Real estate sale, home savings, loans market concept_ Housing industry mortgage plan and residential tax saving strategy_ Piggy bank isolated outside -Jun-09-2022-06-21-23-46-PM

Loans subject to credit approval. NMLS #406389 

A Home Equity Line of Credit (HELOC) can be used for storm-proofing your home, covering emergency expenses, handling unexpected repairs, and more. 

Don't wait until it's too late. Start your HELOC application online today!

Apply for a Home Equity Line of Credit with a no-cost closing. With a HELOC, the options are almost endless.

Checklist of Required Documents and HELOC Disclosures

Loans subject to credit approval. NMLS #406389

What Can a HELOC Be Used For?

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Smart Borrowing for Home Protection

Use your home’s equity to invest in storm shutters, a generator, a new roof, or other upgrades that can help protect your property and save on repairs later.

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Peace of Mind Before the Storm

Prepare confidently knowing you have a financial safety net in place for emergency supplies, evacuation costs, or unexpected expenses.

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Access to Funds When You Need Them

A HELOC gives you flexible access to cash, so you’re ready to respond quickly before, during, or after a hurricane.

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Remodeling

Whether you need to upgrade the kitchen or bathroom, or add a garage, a HELOC can fund the project from start to finish.

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Swimming Pool or Patio

Backyard BBQs will never be the same with a new swimming pool or patio. Use a HELOC to cover all the costs, including a new grill.

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Major Life Events

Pay for a wedding, higher education, dream vacation or other major life event.

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Higher Interest Debt

Pay off higher interest debt. Consider consolidating higher interest debt such as credit cards.

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Unexpected Expenses

Cover unexpected expenses. Use a HELOC to repair a leaky roof or replace your worn out air conditioning unit.

Blog

On Our Minds

Time-series line chart tracking real average hourly earnings from the early 2000's to present.

Chart of the Day: Average Hourly Earnings

March 19, 2026

Today's Chart of the Day comes from @CharlieBilello and highlights real average hourly earnings in the US. “Real wages” (pay adjusted for inflation)...

Stacked bar chart showing the % of homes that sold below, at, and above list price from 2012 to present.

Chart of the Day: U.S. Home Sales

March 17, 2026

Today's Chart of the Day is actually two charts from The Wall Street Journal article “The Housing Market Is Swinging Toward Buyers.”

 Vertical bar chart showing average company life span on S&P 500's Index from 1965 to 2030, in years, rolling 7-year average) and decades

Chart of the Day: S&P Incumbents

March 12, 2026

Today’s Chart of the Day from MSN reveals an important trend: S&P 500 companies aren’t holding onto their place in the index as long as they used to.