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Home Equity
Line of Credit

Always Home.

Because binge watching HGTV has you convinced you can retile your bathroom.

home equity and mortgage loans
Features
Rates & Fees
FAQ & Links

Features

When fixing or upgrading your home, even do-it-yourself projects start to add up. Our Home Equity Line of Credit (HELOC) may be a great option to get the funds you need, when you need them.1

  • Borrow up to 80% of the equity you have in your home1
  • A line of credit allows you to borrow funds as you need them
  • Allows you to use a portion of the equity in your home as collateral
  • Perfect for home improvements
  • Can be great when used for a new vehicle or other large purchases
  • Terms up to 20 years are available1

HELOC SPENDING CARD

New! HELOC Spending Card
Simply swipe your HELOC Spending card, anywhere Visa® cards are accepted, to easily access funds from your Home Equity Line of Credit.

Request a card when you apply!

New! HELOC Spending Card
Simply swipe your HELOC Spending card, anywhere Visa® cards are accepted, to easily access funds from your Home Equity Line of Credit.

Request a card when you apply!

HELOC SPENDING CARD

Rates & Fees

Home Equity Line of Credit3
Effective Date: March 18, 2024
ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Variable rate based on prime rate plus margin - Primary Residence
70% CLTV - Up to $500K 9.00% - 10.50% 240 Months $9.04 - $10.03
80% CLTV - Up to $250K 9.50% - 11.00% 240 Months $9.37 - $10.38

Home Equity Line of Credit Fees
Fee
Annual Fee $60

FAQ & Links

How do I apply?

Use our online application portal or visit your favorite branch to apply for your Home Equity Line of Credit.

How do I view my Mortgage Loan Officer's NMLSR #?

You can view the registry here.

What is the maximum available term?

We offer terms up to 20 years.

How much equity am I able to pull out of my home?

You are able to pull a maximum of 80% of the equity you have in your home.

Is this an open-ended loan?

Yes, you are able to borrow continuously and access funds only when you need them.

Is my payment fixed?

No, with the Home Equity Line of Credit, your payment varies based on the current rate and the amount you owe.

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*APR=Annual Percentage Rate. Rates valid as of . Terms and conditions subject to change without notice. Rate may vary depending on individual's credit history and underwriting factors.
Lowest payment factor based on lowest rate and highest payment factor based on highest rate.
1 Home equity lines of credit require an appraisal as part of the application process. Terms and rate contingent upon home’s appraised value with a maximum allowable 80% combined loan to value (CLTV) for credit lines up to $250,000 and 70% CLTV for credit lines up to $500,000, and based on individual's credit history and underwriting factors. Not all borrowers will qualify. We will loan up to 80% combined loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,000 equity available. Property insurance is required. The Home Equity Line of Credit is an open-end credit line with a variable rate based on the Wall Street Journal (WSJ) prime rate plus a margin based on your creditworthiness. Minimum rate of 4% APR and annual fee of $60. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms. Max rate of 18%. See Rates and Fees table above for examples of payments based on the various rates and terms available.

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