Home Equity Line Of Credit With No Annual Fee, Ever*
As low as 1.99% fixed APR for 12 months**
Then as low as 3.99% variable rate after that**
Use The Equity In Your Home For Home Improvements
For unexpected repairs or the project you’ve been picturing for years, a home equity line of credit or loan is a great way to tackle your to-dos.
- Take on that kitchen remodel you’ve been dreaming about
- Stop putting off those window replacements and roof repairs
- Make another big purchase (new car, anyone?) and take advantage of a lower rate
- Say goodbye to higher-interest debt
Home Equity Line of Credit (HELOC)
A great option for when you need more flexibility. You have access to a pool of money and only borrow what you need when you need it.
- Borrow up to 100% of your home’s equity (maximum loan amounts apply)
- Get a variable rate as low as prime minus 0.50%3
- Lock in your balance to a low rate for a term of up to 15 years5
- No or low closing costs6
- Forget about annual fees or prepayment penalties*
- Deduct your interest from your taxes (if eligible)7
- Use it whenever anything unexpected comes up
- Access your funds easily online
Home Equity Loan
A great option for when you have a project in mind and know the price tag. You take a set amount of money at a fixed rate and term.
- Borrow up to 100% of your home’s equity (maximum loan amounts apply)
- Get a great, low rate with low closing costs
- Deduct your interest from your taxes (if eligible)7
- Never pay an annual fee or prepayment penalty
home equity line of credit rates
The rates below are based on loan-to-value (LTV) ratio, which is your mortgage balance divided by your home’s value.
Home Equity Line of Credit (HELOC) Rates
Apply
As Low As1.99% APR
First 12 Months**
3.99% APR
Variable Rate After That
Home Equity Line of Credit — Up to 70% LTV (Variable/Fixed)
Rates Effective December 1, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 1.99% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable, Revolving3 | 3.99% | Prime - 0.50% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
| Fixed 60 Months2 | 3.99% | $18.45 |
|
|
| Fixed 120 Months2 | 4.99% | $10.63 |
|
|
| Fixed 180 Months2 | 6.49% | $8.74 |
|
Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed)
Rates Effective December 1, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 1.99% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable, Revolving3 | 3.99% | Prime - 0.50% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
| Fixed 60 Months2 | 3.99% | $18.45 |
|
|
| Fixed 120 Months2 | 4.99% | $10.63 |
|
|
| Fixed 180 Months2 | 6.49% | $8.74 |
|
Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed)
Rates Effective December 1, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 2.99% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable Revolving3 | 4.49% | Prime + 0.50% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
| Fixed 60 Months2 | 4.99% | $18.91 |
|
|
| Fixed 120 Months2 | 5.99% | $11.13 |
|
|
| Fixed 180 Months2 | 6.99% | $9.01 |
|
Home Equity Line of Credit — Up to 100% LTV (Variable/Fixed)
Rates Effective December 1, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 5.99% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable, Revolving3 | 7.99% | Prime + 3% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
| Fixed 60 Months2 | 8.49% | $20.59 |
|
|
| Fixed 120 Months2 | 9.89% | $13.21 |
|
|
| Fixed 180 Months2 | 10.24% | $10.95 |
|
home equity loan rates
The rates below are based on loan-to-value (LTV) ratio, which is your mortgage balance divided by your home’s value.
Home Equity Loan Rates — Up to 70% LTV
Rates Effective December 1, 2020
Calculate Your Monthly Payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 3.99% | $29.58 |
|
| 48 Months | 3.99% | $22.62 |
|
| 60 Months | 3.99% | $18.45 |
|
| 84 Months | 4.49% | $13.93 |
|
| 120 Months | 4.99% | $10.63 |
|
| 180 Months | 6.49% | $8.74 |
|
Home Equity Loan Rates — Up to 80% LTV
Rates Effective December 1, 2020
Calculate Your Monthly Payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 3.99% | $29.58 |
|
| 48 Months | 3.99% | $22.62 |
|
| 60 Months | 3.99% | $18.45 |
|
| 84 Months | 4.49% | $13.93 |
|
| 120 Months | 4.99% | $10.63 |
|
| 180 Months | 6.49% | $8.74 |
|
Home Equity Loan Rates — Up to 90% LTV
Rates Effective December 1, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 4.99% | $30.03 |
|
| 48 Months | 4.99% | $23.08 |
|
| 60 Months | 4.99% | $18.91 |
|
| 84 Months | 5.49% | $14.40 |
|
| 120 Months | 5.99% | $11.13 |
|
| 180 Months | 6.99% | $9.01 |
|
Home Equity Loan Rates — Up to 100% LTV
Rates Effective December 1, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 8.49% | $31.68 |
|
| 48 Months | 8.49% | $24.73 |
|
| 60 Months | 8.49% | $20.59 |
|
| 84 Months | 8.64% | $15.79 |
|
| 120 Months | 9.89% | $13.21 |
|
| 180 Months | 10.24% | $10.95 |
|
Frequently Asked Questions
Related Content
From home improvements to paying off higher interest debt, there are many ways to use your home's equity. Learn about the difference between a Home Equity Loan and Home Equity Line of Credit - and how you can use one to make things happen.
Your home is your castle, your refuge and—let’s face it—a place where it can be very easy to sink a big chunk of money. Which is why you’re always on the lookout for “sweet spots”: those home improvements that add comfort, safety or a little zing of style while you’re living in your house and will boost the asking price when it’s time to sell.
Home equity loan or line of credit (HELOC) — which one’s right for you?
Thinking about making some home improvements this fall — or planning ahead so you’re first in line with your contractors next spring? Then you’re probably on the lookout for affordable financing. One option that could be a good fit: tapping into the equity of your home.
Thinking about making some home improvements this fall — or planning ahead so you’re first in line with your contractors next spring? Then you’re probably on the lookout for affordable financing. One option that could be a good fit: tapping into the equity of your home.
Your home is your castle, your refuge and—let’s face it—a place where it can be very easy to sink a big chunk of money. Which is why you’re always on the lookout for “sweet spots”: those home improvements that add comfort, safety or a little zing of style while you’re living in your house and will boost the asking price when it’s time to sell.