Home Equity
Line of Credit

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

• Borrow up to 80% of the equity you have in your home
• Adjustable rate gives you the benefit of lower monthly payments
• Allows you to use equity, or value in your home as collateral
• Perfect for home improvements, which may in turn increase the equity in your home
• Can be great when used for a new vehicle or other large purchases
• Terms up to 20 years are available

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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.
**Home equity lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. 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. You can borrow up to 80% of homes value less what you owe. Property insurance is required. The Home Equity Line of Credit is an open-ended 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%.

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