Home Equity Lines of Credit & Loans

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

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.

  • Flexible line-of-credit access to cash
  • Finance only what you need when you need it at a
    competitive variable rate
  • Borrow up to 89.9% of the value in your home
  • Flexibility to convert drawn funds to a fixed rate loan
  • Enjoy tax benefits*

*The interest may be tax deductible. Consult your tax advisor.

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
  • 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. Typical loan application and closing fees can range from $231.25 to $1,088.25. The Annual Percentage Rate (APR) for a Fixed Rate second mortgage is based on credit score.  An APR of 10.25% will result in 180 monthly payments of $10.90 for every $1,000 borrowed.

View our Home Equity Line of Credit rates, fees and other cost information here.
What you should know about Home Equity Lines of Credit

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