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Home Equity Line of Credit

  • Low Rates

    Low variable interest rates tied to Wall Street Journal Prime Rate

  • No Closing Costs

    No closing costs or application fees for loans of $25,000 or more

  • Tax Deductible

    Interest paid on your Home Equity loan may be tax deductible (consult your tax advisor)

  • Revolving Line of Credit

    Withdraw against the line as needed, only pay interest on what you have borrowed

  • No Prepayment Penalty

    Make extra payments or pay your loan off before the due date with no penalty fees

  • What You Should Know About HELOCs

    This booklet can help you decide whether a home equity line of credit is the right choice for you, and help you shop for the best available option. 

    Open Booklet
Home Equity Line of Credit
Term Rates as low as*
120 Month Draw Period (followed by 120 month repayment) 7.00% APR Variable

Rates are variable and are based on the Prime Rate effective as of 1/01/2025.
As low as rate based on Prime - 0.50% for loans, 70% loan to value or less and in first lien position. Current Prime Rate is 7.50%. Minimum APR floor rate is 2.75%.  Maximum APR is 18.00%. 
Up to 90% Loan to Value available for qualified borrowers. 

Home Equity Line of Credit
Term Rates as low as*
120 Month Draw Period (followed by 120 month repayment) 7.00% APR Variable

Rates are variable and are based on the Prime Rate effective as of 1/01/2025.
As low as rate based on Prime - 0.50% for loans, 70% loan to value or less and in first lien position. Current Prime Rate is 7.50%. Minimum APR floor rate is 2.75%.  Maximum APR is 18.00%. 
Up to 90% Loan to Value available for qualified borrowers.