Home Equity Line of Credit Rates

View your current HELOC rates.

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Loan Type Intro 18-Month Promo APR (as low as) Current Non-Promo APR** (as low as)
Home Equity Line of Credit (LTV 70% & below)*
5.99% 7.25%
Home Equity Line of Credit (LTV 70.01% — 80%)*
6.99% 7.75%
Home Equity Line of Credit (LTV 80.01% — 90%)*
8.24 8.75%

Fixed Rate Home Equity Loan

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*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 7.25% APR as of 11/12/2024, 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.

**APR = Annual Percentage Rate.

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.