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Home Equity & Other Personal Loans

We've Got Options For You

At Tompkins Trust Company, we offer various terms and loan amounts to meet your purchasing needs.


Put your home's equity to work for you with Tompkins Trust Company's home equity loan or line of credit.  We offer an easy application process, quick decisions and no closing costs.*
  • The best choice if you have a one-time need for funding, such as buying a car, consolidating debt, or paying for a wedding.
  • Features a fixed rate and payment that never changes.


  • The best choice if you have an on-going need for funding, such as home improvements, educational expenses, or starting a small business.
  • Variable rate line of credit you may use whenever you need it, up to your credit limit.
  • Flexible payment options.


It's a line of credit with super powers!

  • Our Equilock Line of Credit gives you the benefits of a line of credit -- plus the flexibility to use it like a fixed-rate loan.
  • Do you need a line of credit? Or do you need that -- plus something more? 
  • So whether you're remodeling your home, financing an education, or consolidating debt, you'll have more options than ever before.
  • Lock in if rates rise. Unlock if rates fall. 
  • Unlike other home equity products that make you choose between a fixed-rate home equity loan or a variable rate line of credit, Equilock allows you to enjoy the flexibility of a traditional line of credit with the peace of mind of having the ability to convert all or a portion of your line into a fixed-rate, fixed-term home equity loan.
  • When and how much of your available line of credit you lock in is your choice.
  • Enjoy the convenience of auto payment from one of our checking accounts.


Loans to finance home improvements, new and used automobiles, boats and recreational vehicles.
Once approved you can use your personal loan to finance any of the following and more:  

  • Home improvements*
  • New and used automobiles*
  • New and used boats and recreational vehicles*

Here are a few reasons you should apply with us:  

  • Easy application process.
  • Fixed payment amounts that allow for easy budgeting.
  • You may choose to have automatic payments deducted from your Tompkins Trust Company checking or savings account so you never have to miss a payment.


A personal line of credit tied to your Tompkins Trust Company checking account that protects you against accidental overdrafts. It offers you convenience, flexibility and security.

Here's how it works:

  • Any overdrafts you may incur will automatically be covered up to your available line of credit.
  • The minimum payment will be automatically deducted from your checking account on the date it is due.
  • You pay back only the amount of the line that you use.
  • You must have a Tompkins Trust Company checking account.

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You have personal lending needs. At Tompkins Trust, we have experts that can help.
Find the answers you're  Tompkins Trust representative today.