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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
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