Access Your
Home’s Equity

We’re all about helping you get the most out of life – right now and the right way.

And we work hard to deliver the financing solutions that give you the cash you need to build the life you want – like our home equity solutions. By using the equity in your home, you can get the cash you need to make life better in so many ways:

  • Consolidate your debt
  • Make improvements and repairs to your home
  • Pay for education expenses, unexpected bills or medical bills
  • Make a major purchase like a car or furniture

Whether you choose a home equity line of credit or a home equity loan, the interest you pay may be tax-deductible (consult your tax advisor).

Achieve any aspiration.

Home Equity Line of Credit (HELOC)

Enjoy a flexible line of credit so you can get the cash you need right when you need it.

  • Variable-rate line of credit
  • Borrow up to 89.9% of the value in your home
  • Flexibility to use whatever funds you need, when you need them
  • Interest accrues on balance advanced; payment is 1% of the balance owed

Home Equity Loans (Fixed-rate Second Mortgage)

Use the equity in your home to receive a lump sum of cash to help you tackle your goals.

  • Competitive fixed rates
  • 15-year and 30-due-in-7 options
  • 30-due-in-7 fixed rate option (amortized over 30 years with a balloon payment due in 7 years)
  • Amortized payment schedule

The APR for a Home Equity Line of Credit is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin.  The maximum APR is 12.00%.  You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment for variable rate balances will be established at the close of each billing cycle at an amount equal to the greater of 1.00% of Your then unpaid balance or all accrued but unpaid Finance Charges incurred during the billing cycle, subject to the lesser of $50.00 or your variable rate balance.

View our Home Equity Line of Credit rates, fees and other cost information here.

What you should know about Home Equity Lines of Credit

Related Products

Mortgage Loans

We offer a variety of mortgage options to meet your needs, whether this is the first home you’ve ever bought or you’re interested in refinancing a mortgage you already have.

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Experience life the way you want to, with the purchasing power that helps you accomplish more. You’ll find it with our rewarding Visa® credit cards.