Home Equity Line of Credit (HELOC)

Turn dreams into reality with a new HELOC at a limited-time intro rate as low as 5.99% APR.1 Available for new accounts or external refinances opened from November 1, 2024, to January 31, 2025.

HELOC benefits you'll love.

  • As low as 5.99% intro APR1
  • Low to no closing costs2
  • $0 annual or pre-payment fee
  • Interest-only payment for 10 years
  • 10-year repayment term

See all current HELOC rates

HELOC features you can use.

  • Interest may be tax deductible3
  • Add value to your home by renovating
  • Flexible access to funds
  • Have a safety net for unplanned expenses
  • Only pay for what you use

There are so many ways to use your home's equity with a HELOC.

  • Tackle renovation projects you've been putting off
  • Consolidating debt into one easy-to-make payment
  • Take that long-awaited family vacation or anniversary trip
  • Invest in educational opportunities or career development
  • Use it as a safety net for life's unexpected expenses

Estimate your Home Equity Line of Credit payment.

Understanding estimated monthly payments can be a challenge. To make things a little easier, we have provided a Payment Calculator to quickly see what your potential payment would be. Additionally, this information is provided on your monthly statement.

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  1. Introductory Annual Percentage Rate (APR) of 5.99% for the first 18 months is a promotional offer available for HELOC applications submitted between 11/1/2024 and 1/31/2025 that must close no later than 02/28/2025, based on the following qualifications: (1) minimum credit score of 680 at time of application, (2) combined Loan-to-Value (CLTV) of 70% or below, and (3) minimum line of $10,000 selected. Estimated monthly payment for a $10,000 HELOC during the introductory period for the following APR: 5.99% = $49.92 (interest only). Following the promotional period of 18 months, the APR will revert to a variable rate, which is 7.50% APR as of 11/01/2024, which may change quarterly based on an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to as low as the Prime index + or - a margin. An increase in the index will result in an increase to your APR (includes a lifetime interest rate cap of 8% over initial non-promotional loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on credit score of borrower(s) and CLTV of secured real estate at the time of application.
  2. No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC).
  3. Consult a tax advisor regarding tax deductibility which is subject to change at any time.

Some products and services may vary based on geographical region. Offer and rates subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.