We love HELOCs and here's why:

A home equity line of credit (HELOC) is a line of credit tied to the equity in your home. HELOCs offer distinct advantages over a personal loan or a credit card, giving you spending potential that goes far beyond home renovations.

Debt consolidation

Thanks to our low rate, a HELOC is a great opportunity to consolidate high interest debt.

Remodel your home

Because a HELOC is a line of credit, you can draw funds for your home improvement projects as you need them. This allows you to control costs and only borrow what you need.

Jumpstart your education

Ready to finish school or take the leap on a graduate degree? With a HELOC, you can ditch the costly student loans and utilize the equity in your home to fund your education instead.

You are only limited by your imagination

Expecting a baby? A dream wedding? The uses for your HELOC are limitless. The best part? Since the loan is secured by the equity in your home, interest rates are incredibly low, especially if you lock in this limited time offer.

Frequently asked questions

To lock in your promo rate, apply before December 31, 2021.1, 2

We always encourage our clients to do their research before making a financial decision, but this rate will only be around for a limited time, so don’t take too long. Our six-month promotional rate goes away May 31.1

Before submitting your application, feel free to give us a call or make an appointment to talk with a loan officer if you have questions.

We pride ourselves on making things as easy as possible. We suggest getting your paperwork organized before starting the application.

  • You'll need your Social Security information, income history, and mortgage documentation.
  • Once you're ready, you can apply today to lock in your rate.
  • After you apply a HELOC specialist will contact you to verify your information and help you with the next steps.
  • After an initial lending decision is made, it’s time for an appraisal to be scheduled.
  • Following the appraisal, you’ll be able to sign the final documentation and start using your HELOC.

*, 1 APR = Annual Percentage Rate. Introductory rates start at 1.99% for the first 6 months. $10,000 minimum loan amount or increase to existing line required. Must apply by December 31, 2021 for promotional rate. Non-promotional rate ranges from 3.30% to 10.35% APR. All loans subject to credit review and approval and rates are subject to change without notice. For additional loan discount information, 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. $50 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 $50, 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 on Home Equity Lines of Credit on owner occupied primary residences or second homes. 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 discounts may apply.