Home Equity Lines & Loans

Borrowing from the equity in your home is a great way to pay off high-interest debt, make home improvements, pay tuition, or provide a source of funds for unforeseen or emergency expenses.

Featuring low interest rates, little or no closing costs, and potential tax advantages, a Home Equity Line of Credit or a Home Equity Loan are both great options for homeowners. Which option works best for you?

*The interest rate is Prime Rate as published in the Wall Street Journal minus 0.50%, currently 6.250% as of 12/11/2025 with an APR of 6.250%, can change monthly and may increase. The minimum APR is 4.25%, the maximum APR is 18%. The minimum HELOC amount is $10,000. Processing fee of $199 will apply if the HELOC is approved and closed. Other closing costs range between $420 and $950 and are generally lender paid. However, the HELOC is subject to an early termination fee of $550 if prepaid in full and closed within 24 months. A $330 drive by appraisal is required to be paid by the borrower for loans between $250,000-$399,999. A $525 full appraisal is required to be paid by the borrower for loans equal to or greater than $400,000. The 10-year draw period is interest only and the remaining 15-year repayment period will be the principal balance remaining at the end of the draw period divided by the number of months in the repayment period, plus interest. Property insurance is required. Offer may be rescinded at any time.