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 (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

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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!

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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.