A home equity line of credit (HELOC) is a line of credit tied to the equity you've earned in your home. As the equity in your home grows, so does the amount you can borrow. HELOCs offer distinct advantages over a personal loan or a credit card including lower interest rates, the ability to cover larger dollar expenses, and low monthly payments during your draw period which gives you great spending potential.

1 APR = Annual Percentage Rate. Introductory rates start at 5.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Eligible on owner occupied properties only. Must apply by May 31, 2025 for promotional rate. Non-promotional rate ranges from 7.35% to 10.80% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional information on loan benefits, please view our checking account options.

2 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. $75 annual fee after first anniversary. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. The interest rate will not exceed 18%. For a fee of $100, borrowers may lock all or a portion of the outstanding balance for a fixed term at a fixed rate. Home Equity Lines of Credit have a Draw Period and Repayment Period. During the Draw Period, the minimum monthly payment is interest only. At the end of the Draw Period, the Repayment Period begins. During the Repayment Period, the principal balance, excluding previously locked amounts, is amortized over a period of 15 years, which may increase the monthly payment previously due. No closing costs and/or origination fees on Home Equity Lines of Credit on owner occupied residences. There is an origination fee of $1,250 on non-owner occupied properties. All loans subject to credit review and approval and rates are subject to change without notice. Additional loan benefits may apply.