Home Equity Line of Credit

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NEW OFFER: Get six months of 0% interest

Enjoy six months of freedom from interest with a new home equity line of credit! Then, enjoy a low standard variable APR (as low as 3.99%) thereafter.

Use your home equity with low rates and no surprise fees.

A home equity line of credit (HELOC) is a flexible and affordable way to cover large, ongoing or unexpected expenses, like home improvements and debt consolidation. 

  • Variable-rate line of credit with a $5,000 minimum credit limit.
  • No annual fees, no prepayment penalties, no closing costs.2
  • Borrow up to 100% of your home equity (LTV).
  • Use and reuse funds and pay interest only on what you borrow.
  • 5-year draw period, then take up to 15 years to pay off any remaining balance.
  • Interest may be tax deductible (consult your tax advisor).
  • Access your line 24/7 in Web Branch. Checks available on request.

Use your line how you want:

  • Option to make interest-only payments during your draw period.
  • Option to renew your draw period two times, for a total draw period of 15 years.
  • Option to convert your balance to a fixed-rate loan for steady repayments.3

A home equity line of credit may be the right choice if:

  • You want a lower rate alternative than other loan options.
  • You have a good amount of equity built up in your home.
  • You want ongoing access to cash, such as for emergencies or college tuition.

Learn more about home equity loans and lines in our FAQs.

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Refinance your existing HELOC and get six months of interest-free borrowing!

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Get 0% intro APR for 6 months on new HELOCs

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Intro - 12 Months Variable Rate Line of Credit1

Rates as Low as

Variable Rate Line of Credit1

Rates as Low as



Find Your Rate & Apply - It's Easy


View Your Rate

Get your personalized rate with no hidden fees and no obligation. Checking your rate will not affect your credit score.


Choose Your Loan & Apply

Select the option that works for you and complete your application.


Submit & Finalize 

Our team will review your app and get your funds secured.


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Have Questions or Need Help? 

 Request a Call

Want to Lock Your Rate?

Our HELOCs offer a unique feature: the option to lock your rate by converting all or part of your line of credit balance to a fixed-rate home equity loan.

As you pay down your loan, funds become available to use again in your HELOC. Convert your balance to a fixed rate up to five times during your draw period with no prepayment penalties.3

Contact us to learn more about converting your HELOC balance to a fixed rate.


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