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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows you to borrow against the equity in your home. It's a flexible way to fund major expenses like home renovations, college tuition, or debt consolidation.

Rates & Terms

Our competitive HELOC rates are variable and based on the prime rate, offering you a low-cost borrowing option. We provide flexible terms to help you manage your finances effectively.

Current Variable APR: 7.50%
Introductory APR: 4.99% for the first 6 months
Draw Period: Up to 10 years, allowing you to borrow as you need
Repayment Period: Up to 20 years, with flexible payment options
Loan Amount: Borrow up to 90% of your home's equity

Benefits of a HELOC

A HELOC offers several advantages over other types of loans:

Flexibility: Borrow what you need, when you need it.
Low Interest: Typically offers a lower interest rate than credit cards or personal loans.
Tax Deductible: Interest may be tax-deductible (consult a tax advisor).
Versatile: Use the funds for any purpose, from home improvements to medical expenses.

How to Apply

Applying for a HELOC is a straightforward process. Our loan officers are available to guide you through the application and answer any questions you may have.

Start Your HELOC Application