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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
Rates & Fees
FAQ & Links


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

Rates & Fees

Home Equity Line of Credit3
Effective Date: March 26, 2023
ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Variable rate based on prime rate plus margin - Primary Residence
70% CLTV - Up to $500K 8.25% - 9.75% 240 Months $8.56 - $9.53
80% CLTV - Up to $250K 8.75% - 10.25% 240 Months $8.88 - $9.87

Home Equity Line of Credit Fees
Annual Fee $60

*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%.

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.

Related Links
Loan Rates
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Loan Modification Form

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