Home Equity Lines & Loans
Tap into your home's equity for renovations, debt consolidation, or major expenses. Choose between a flexible line of credit (HELOC) or a fixed-rate loan.
FDIC Insured · No hidden feesAccount Summary
Loan options
Draw funds as needed during a 10-year draw period. Variable rate.
Lump sum with fixed rate and predictable monthly payments.
Borrow up to 80% of your home's appraised value minus mortgage balance.
What's included
Everything you get with this account.
Lower Rates Than Credit Cards
Home equity rates are typically much lower than personal loans or credit cards.
Potential Tax Benefits
Interest may be tax deductible when used for home improvements. Consult a tax advisor.
Borrow Up to 85% LTV
Access up to 85% of your home's appraised value, minus your existing mortgage.
No Closing Costs
Closing costs waived on lines of $50,000 or more. No application fee.
Online Access
Draw funds, make payments, and manage your line online or in the app.
Fixed-Rate Option
Convert all or part of your HELOC balance to a fixed rate at any time.