HOME EQUITY LINE OF CREDIT
WITH NO ANNUAL FEE,* ever!
As low as 1.99% intro APR for 12 months**
Then as low as 3.99% variable rate after that**
It's up to you and Your moneyto make things happen.
It's up to you and Your moneyto make things happen.
From home improvements to paying off higher interest debt, there are many ways to use a Home Equity Loan or Home Equity Line of Credit. Borrow some of your equity back, and check something off your list tomorrow. You can view rates and calculate estimated monthly payments, too.
Home Equity Line of Credit
Borrow what you need when you need it.
- Borrow up to 100% of your home’s equity (maximum loan amounts apply)
- Variable rates as low as prime minus 0.50%
- No or low closing costs1
- Potential for tax-deductible interest2
- Can lock your balance into a low, fixed rate for terms up to 15 years3
- No annual fee or prepayment penalties
- Easy access to funds with online banking
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 April 10, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 2.49% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable, Revolving | 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, up to 36 Months2 | 3.89% | $29.52 |
|
|
| Fixed, 37 to 48 Months2 | 3.89% | $22.57 |
|
|
| Fixed, 49 to 60 Months2 | 4.39% | $18.63 |
|
|
| Fixed, 61 to 84 Months2 | 4.89% | $14.11 |
|
|
| Fixed, 85 to 120 Months2 | 5.24% | $10.75 |
|
|
| Fixed, 121 to 180 Months2 | 6.24% | $8.60 |
|
Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed)
Rates Effective April 10, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 2.49% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable, Revolving | 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, up to 36 Months2 | 3.89% | $29.52 |
|
|
| Fixed, 37 to 48 Months2 | 3.89% | $22.57 |
|
|
| Fixed, 49 to 60 Months2 | 4.39% | $18.63 |
|
|
| Fixed, 61 to 84 Months2 | 4.89% | $14.11 |
|
|
| Fixed, 85 to 120 Months2 | 5.24% | $10.75 |
|
|
| Fixed, 121 to 180 Months2 | 6.24% | $8.60 |
|
Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed)
Rates Effective April 10, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 3.49% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable Revolving | 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, up to 36 Months2 | 4.89% | $29.98 |
|
|
| Fixed, 37 to 48 Months2 | 4.89% | $23.03 |
|
|
| Fixed, 49 to 60 Months2 | 5.14% | $18.98 |
|
|
| Fixed, 61 to 84 Months2 | 5.89% | $14.59 |
|
|
| Fixed, 85 to 120 Months2 | 6.24% | $11.26 |
|
|
| Fixed, 121 to 180 Months2 | 6.74% | $8.87 |
|
Home Equity Line of Credit — Up to 100% LTV (Variable/Fixed)
Rates Effective April 10, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | VPR (as low as) | Monthly Payment | |
| 12-Month Fixed Intro Rate4 | 5.49% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
|
| Variable, Revolving3 | 6.25% | Prime + 3% | Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater |
|
| Fixed up to 36 Months2 | 8.39% | $31.62 |
|
|
| Fixed, 37 to 48 Months2 | 8.89% | $24.92 |
|
|
| Fixed, 49 to 60 Months2 | 8.89% | $20.78 |
|
|
| Fixed, 61 to 84 Months2 | 9.39% | $16.35 |
|
|
| Fixed, 85 to 120 Months2 | 9.74% | $13.13 |
|
|
| Fixed, 121 to 180 Months2 | 10.24% | $10.95 |
|
Home Equity Loan Rates — Up to 70% LTV
Rates Effective April 10, 2020
Calculate Your Monthly Payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 3.89% | $29.53 |
|
| 48 Months | 3.89% | $22.57 |
|
| 60 Months | 4.39% | $18.63 |
|
| 84 Months | 4.89% | $14.12 |
|
| 120 Months | 5.24% | $10.75 |
|
| 180 Months | 6.24% | $8.60 |
|
Home Equity Loan Rates — Up to 80% LTV
Rates Effective April 10, 2020
Calculate Your Monthly Payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 3.89% | $29.53 |
|
| 48 Months | 3.89% | $22.57 |
|
| 60 Months | 4.39% | $18.63 |
|
| 84 Months | 4.89% | $14.12 |
|
| 120 Months | 5.24% | $10.75 |
|
| 180 Months | 6.24% | $8.60 |
|
Home Equity Loan Rates — Up to 90% LTV
Rates Effective April 10, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 4.89% | $29.99 |
|
| 48 Months | 4.89% | $23.04 |
|
| 60 Months | 5.14% | $18.98 |
|
| 84 Months | 5.89% | $14.60 |
|
| 120 Months | 6.24% | $11.26 |
|
| 180 Months | 6.74% | $8.87 |
|
Home Equity Loan Rates — Up to 100% LTV
Rates Effective April 10, 2020
Calculate your monthly payment
| Term (up to) | APR (as low as) | Monthly Payment | |
| 36 Months | 8.39% | $31.63 |
|
| 48 Months | 8.89% | $24.93 |
|
| 60 Months | 8.89% | $20.79 |
|
| 84 Months | 9.39% | $16.36 |
|
| 120 Months | 9.74% | $13.13 |
|
| 180 Months | 10.24% | $10.95 |
|
Frequently Asked Questions