Home Equity Line of Credit

Use your home equity with low rates and no surprise fees.

A home equity line of credit (HELOC) is a flexible and affordable way to cover large, ongoing or unexpected expenses, like home improvements and debt consolidation. 

• Variable-rate line of credit with a $5,000 minimum credit limit.
• Extra low intro rate for 12 months; standard low rate thereafter.¹ 
• Special offer! Get an added 0.5% rate discount when you apply by July 31!
• No annual fees, no prepayment penalties, no closing costs.²
• Borrow up to 100% of your home equity (LTV).
• Use and reuse funds and pay interest only on what you borrow.
• 5-year draw period, then take up to 15 years to pay off any remaining balance.
• Interest may be tax deductible (consult your tax advisor).
• Access your line 24/7 in Web Branch. Checks available on request.

Use your line how you want:

• Option to make interest-only payments during your draw period.
• Option to renew your draw period two times, for a total draw period of 15 years.
• Option to convert your balance to a fixed-rate loan for steady repayments.³

A home equity line of credit may be the right choice if:

• You want a lower rate alternative than other loan options.
• You have a good amount of equity built up in your home.
• You want ongoing access to cash, such as for emergencies or college tuition.

Learn more about home equity loans and lines in our FAQs.

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Have Questions or Need Help? 

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Want to Lock Your Rate?

Our HELOCs offer a unique feature: the option to lock your rate by converting all or part of your line of credit balance to a fixed-rate home equity loan.

As you pay down your loan, funds become available to use again in your HELOC. Convert your balance to a fixed rate up to five times during your draw period with no prepayment penalties.³

Contact us to learn more about converting your HELOC balance to a fixed rate.

Get an extra 0.5% rate discount on our 12-month intro rate!