use your equity with confidence

What option is right for you?

We are excited to offer both Home Equity Lines of Credit and Home Equity Installment Loans. But which one is right for you?

Home Equity Line of Credit
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Home Equity Installment Loan
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Available to homeowners with equity
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Rates as low as
Rates as low as 3.30% APR. Additional discounts available with our relationship-based accounts 1
Rates as low as 3.24% APR. Additional discounts available with our relationship-based accounts 2
Variable or Fixed rate
Variable with rate lock option 3
Fixed rate 4
Flexible repayment options
Yes
No
Closing costs
$0
$0
Payment options
Variable payment options
Fixed monthly payments
Access to funds
Ongoing
Lump sum
Terms
10-year draw and 15-year repayment
Up to 25-year repayment
Lower rates than unsecured lending
Credit cards or personal loans are considered unsecured lending options.
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Financial education on the basics

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Learn the factors that affect your credit score

Wondering if your credit score is where it needs to be? How do you raise it?

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Not all debt is bad. In fact, certain types of loans may bolster your credit and allow you to have better control of your financial wellness.


1 Rates range from 3.30% - 10.35% APR. Your final rate will be determined based on your loan amount, term, and credit score. APR = Annual Percentage Rate. All loans are 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 range from 3.24% - 9.54% APR. Your final rate will be determined based on your loan amount, term, and credit score. APR = Annual Percentage Rate. All loans are 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.

3 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 based on loan amount, credit score, and term. 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.

4 Rates and terms vary depending on lien position, occupancy, loan-to-value, property type, credit score, and debt-to-income. The applicable interest rate is fixed. No closing costs on Home Equity Installment Loans on owner occupied primary residences or second homes. On non-owner occupied properties borrowers pay closing costs, including, but not limited to, third party expenses related to government filing fees and vendor services for flood, title and appraisal reports. All loans subject to credit review and approval and rates are subject to change without notice. Additional discounts may apply. For additional loan discount information, please view our checking account options.

All loans subject to credit review and approval.

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