Get the cash you need when you need it. Our flexible line of credit is a convenient and easy way to let you access money when you need it.
No closing costs 1
A lower interest rate than most credit cards
Easy access to your funds
A home equity line of credit can be used however you choose:
Pay off a major expense
Create a financial reserve for unexpected expenses
Enjoy peace of mind by knowing you have instant access to your funds - and borrow as little or as much as you like of your credit line.
1 - "No closing costs" offer not available on lines in excess of $350,000 or less than $10,000. Other certain restrictions may apply, see application disclosures for specifics.
Subject to credit approval. The 1.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a loan-to-value of 85% or less if auto-draft payments from a checking account with our bank or affiliate are established at the time the HELOC is opened. The introductory rate of 1.99% APR will apply for the 6-month introductory period. After the introductory period, the APR may vary monthly and is based on an index (Prime Rate as published in the Wall Street Journal) minus a margin of .01%. As of 5/1/18, the post-promotional period rate for Home Equity Lines of Credit is 4.74% APR with auto-draft payments from a checking account with our bank or affiliate. Without such auto-draft payment your rate will be 1.51% higher than noted in both the introductory period and subsequent term. The rate will not exceed the higher of 18% per annum or, except for any initial discount period, go below 3.99% per annum. The annual fee of $50 after 12 months is waived if auto-draft payments are established at the time the HELOC is opened. Valid on owner-occupied and second homes only. Not available on home purchase transactions, non-traditional housing or manufactured housing. Maximum allowed combined loan-to-value for all obligations secured by the property may be less than but must not exceed 85% of the value of your home subject to our standard credit underwriting. Property and, if applicable, flood insurance must be in effect on the property securing the account. Third party fees and closing costs in connection with new requests for loan amounts between $10,000 to $350,000 are paid on your behalf to the appropriate providers of service if auto-draft payments from a checking account with our bank or affilate are established at the time the HELOC is opened.
For loan amounts not between $10,000.00 to $350,000.00, or the Home Equity Line of Credit is not established with Automatic Payments at the time the Home Equity Line of Credit is opened, third party fees and closing costs may be due from the applicant(s).
If there is an existing Home Equity Line of Credit, with our bank, being refinanced, closing costs may be waived if: 1) the current Home Equity Line of Credit was originated more than 3 years ago, or 2) the application is to increase a line amount on a current Plan by at least 20% (not to exceed $350,000).
If the applicant does not meet one of these two criteria, or if the request is less than $10,000 or more than $350,000, or if the Home Equity Line of Credit is not established with Automatic Payments at the time the Home Equity Line of Credit is opened, the third party fees and closing costs will be required to be paid by the applicant(s).
Additional restrictions apply. If you reside in one of the following states or the collateral used for securing a Home Equity Line of Credit is located in NY, MD, LA, GA, MN, TN, VA or FL, you may be required to pay a portion of or all of the required transfer or recording taxes due and/or recording charges required. Additional fees may apply. Property to be held as collateral located in the state of Texas is not eligible for this product. Program terms and conditions are subject to change without notice.
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Applying is fast and easy. Simply apply online or stop by one of our branch locations to learn more.