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Circle Back To The Plan Life Put On Hold

Whether it's a renovation, education expenses, debt consolidation, or what's next, a SmartLock HELOC can help you move forward.

Learn how a SmartLock HELOC may help you get back to the projects, purchases, and goals you've put on hold. Join one of our free educational webinars to learn more.

Explore Webinar OptionsExplore Webinar Options

Circle Back to the Plans Life Put on Hold With a SmartLock HELOC

Life doesn't always happen on schedule.

Maybe you planned to renovate your kitchen, but rising costs changed your priorities. Perhaps you wanted to tackle lingering debt, help pay for a child's education, or prepare for a major life transition, but other responsibilities got in the way.

The good news? Just because a plan was put on hold doesn't mean it's out of reach.

If you're ready to revisit the goals that matter most, a SmartLock Home Equity Line of Credit (HELOC) from Orrstown Bank can provide the flexibility and access to funds that can help you move forward.

Your Plans Are Still Worth Pursuing

Many homeowners have built significant equity in their homes over time. That equity may be able to help support the goals you've been waiting to get back to

Whether you're planning:

  • Home renovations or improvements
  • Debt consolidation
  • Education expenses
  • A major purchase
  • Life's next chapter

A SmartLock HELOC gives you access to funds when you need them, so you can focus on what's next instead of what's been delayed.

What Makes a SmartLock HELOC Different?

Unlike a traditional loan that provides a lump sum all at once, a SmartLock HELOC gives you ongoing access to a line of credit secured by the equity in your home.

SmartLock also offers the flexibility to lock portions of your balance into a fixed-rate advance while maintaining access to available funds within your line of credit.

SmartLock HELOC Promotional Rate*
1.99%
Introductory APR For The First 6 Months

Followed by a variable APR of 6.50% to 6.75%.
Apply Now

Register for Orrstown Bank’s Free Educational Webinar Series*** Designed to Help Homeowners Better Understand Home Equity, Debt Management Strategies, and Borrowing Options

The first session in our Educational Webinar Series has concluded. Watch the recording and register for the remaining two free webinars designed to help homeowners better understand home equity, borrowing options, and strategies to achieve their financial goals.

RECORDED ON OCTOBER 15, 2026 | 12:00 PM 
Debt Consolidation Strategies for Homeowners Webinar Recording

Topics discussed included understanding the difference between good debt and bad debt, strategies for reducing credit card debt, and recognizing when debt consolidation may make sense. We also compared a SmartLock HELOC to a personal loan and reviewed how to create a debt payoff plan that supports your financial goals. 

Presenters
Denise McCoy
Branch Executive Officer
NMLS ID: 665448
Stacey Moon
Branch Executive Officer
NMLS ID: 467500
Play Video

RECORDED ON OCTOBER 28, 2026 | 12:00 PM 
Unlocking Your Home's Equity: What Every Homeowner Should Know Webinar Recording

Topics discussed included understanding what home equity is and how changes in home values can affect the amount of equity available in your home. We also compared a SmartLock HELOC to a Home Equity Loan, explored common ways homeowners use home equity financing, and reviewed key considerations to help determine whether a home equity solution may be the right fit for your financial goals.

Presenters
Belinda Lawrence
Branch Executive Officer
NMLS ID: 475242 
Kelly Oneill
Banking Specialist
NMLS ID: 593224 
Play Video

NOVEMBER 10, 2026 | 12:00 PM 
Smart Borrowing: HELOCs, Home Equity Loans & Other Financing Options

Webinar Topics Include:

  • SmartLock HELOCs** explained
  • Home Equity Loans explained
  • Personal loans
  • Credit cards
  • Cash-out refinances
  • Choosing the right solution
Presenters
Michelle Rodriguez
Branch Executive Officer
NMLS ID: 1724348
Marisa Baublitz
Branch Executive Officer
NMLS ID: 456986
Register NowRegister Now



A Flexible Solution for Life's Goals

No two homeowners have the same plans. That's why flexibility matters. With a SmartLock HELOC, you can:

  • Access funds as needs arise
  • Borrow only what you need
  • Lock balances when it makes sense
  • Maintain your existing mortgage
  • Benefit from local decision making and support

Whether you're completing a project in phases or preparing for an opportunity ahead, a SmartLock HELOC can help you take the next step on your timeline.

Life doesn't always happen on schedule. That renovation you've been thinking about. The debt you've wanted to simplify. The educational opportunity you've been considering. The plan is still there.

Talk with an Orrstown Bank lender today and discover how a SmartLock HELOC can help you circle back to the plans life put on hold.

Apply For a Smartlock

*After the 6-month introductory period, the rate will convert to a variable rate based on the Wall Street Journal Prime Rate plus a margin and will vary with market conditions. Current variable APR as of 8/28/2026 is 6.50% - 6.75%. Rate may increase after consummation. The 1.99% introductory APR requires enrollment in automatic payment from an Orrstown Bank deposit account. Without automatic payments, the introductory APR will be higher. If automatic payments are cancelled, the rate will adjust to the then-current variable rate. Subject to credit approval. Not available for refinancing existing Orrstown Bank HELOCs. Other terms and fees may apply. Visit Orrstown.com/SmartLock for complete details.

**SmartLock HELOC is variable-rate home equity product offered by Orrstown Bank. Discussion of the product in this webinar is for educational purposes only and does not constitute a credit offer. Credit products are subject to credit approval, income verification, and other conditions. Variable rates subject to change.

***This webinar is for educational purposes only and does not constitute an offer or commitment to extend credit. Credit products are subject to credit approval, terms, and conditions.

Copyright © 2026 Orrstown Bank. All Rights Reserved. Equal Housing Lender NMLS ID: 440200