Home Equity Lines of Credit

Find Extra Money, Right From Your Home!

A Home Equity Line of Credit (HELOC) helps handle today's unexpected expenses. From access to emergency funds, paying bills or for school, or making home improvements, money is there when you need it.

Benefits of a Home Equity Line of Credit

A lower rate than most credit cards
Access up to 85% of your home’s appraised value*
Withdraw funds only when you need them
Payments don’t begin until you actually use the money
If the purpose of your home equity line of credit advance is for substantial home improvements or to purchase your primary residence, interest payments may be tax deductible**

Not sure if a HELOC is right for you?

*Minus any outstanding balances owed. **As with any financial transaction with tax implications, we encourage you to consult with a tax professional to receive the most current information.

Home Equity Lines

Borrow up to 85% of your home's equity
Line of Credit (variable)	4.00% APR*
Estimate Your Payments ➤

Home Access Lines

Borrow up to 100% of your home's equity
Line of Credit (variable)	7.00% APR*

*APR = Annual Percentage Rate. Home Equity and Access Lines of Credit have variable rates. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The variable Line of Credit rate is set at the time of your loan (your initial rate) and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin as low as -.50% on Home Equity Lines of Credit (your margin may differ based on your qualifications, and as low as 2.00% for Home Access Lines of Credit (your margin may differ based on your qualifications). Your margin may vary based on your credit qualifications. As of 3/17/20 the Prime Rate was 3.25% APR. The current Home Equity and Home Access line of credit rates listed above are floor rates and are higher than the index plus margin.