Home Equity

Tap into your home's equity with a Loan or Line of Credit

Home Equity Loan, AKA Second Mortgage

When you need a specific amount of money for a one time project or purchase, such as kitchen renovation or to pay off student loans.

Borrow a specific amount of money
Fixed rate
Borrow up to 90% LTV
Fixed monthly payment
Finance up to $250,000
Financing term 5-20 years

Home Equity Line of Credit, AKA HELOC

When you need access to additional funds but you’re not sure how much or how often, like home renovations.

Borrow only what you need when you need it
Adjustable rate based on the Prime Rate
Borrow up to 90% LTV
Monthly payment may vary based on amount borrowed
Finance up to $250,000

Apply Now

Check Your Rate

Home Equity Loans - Primary and Secondary residences only

Effective Date: Friday, April 19th, 2024

Home Equity Loans up to 90% LTV Fixed Rate

Program Max Rate Max LTV APR as low as Margin Index Monthly Payment per $1,000

Up to 5 Years $250,000 6.990% 80% 6.990% - - $19.80

$250,000 7.990% 90% 7.990% - - $20.27

10 Years $250,000 7.500% 80% 7.500% - - $11.87

$250,000 8.500% 90% 8.500% - - $12.40

15 Years $250,000 7.750% 80% 7.750% - - $9.41

$250,000 8.750% 90% 8.750% - - $9.99

20 Years $250,000 8.250% 80% 8.250% - - $8.52

Payments do not include taxes and insurance, actual payment obligation will be higher. The APR is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation. APR may change without notice. Minimum loan amount is $10,000.

Home Equity Lines of Credit (HELOC) - Adjustable Rate

Effective Date: Friday, April 19th, 2024

Program Max Intro Rate Max LTV APR as low as Margin Index

80% LTV $250,000 8.500% 80% 8.500% 0.00% 8.50%

90% LTV $250,000 9.500% 90% 9.500% 1.00% 8.50%

Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice.

Calculate Your Payment

Loan Type

Rate 2.490%

APR as low as 2.490%

Loan Amount

Your monthly payment is only...

354.86 for 5 years

Apply Now

Easily Access Your HELOC

Online & Mobile Banking

Funds can be advanced from your HELOC and transferred directly to your checking or savings account.

Visit Your Local Branch

Our branch teams are ready to assist! You have a few ways to receive the funds:

Receiving a certified check
Making a deposit into your share account
Receiving a cash withdrawal

The minimum advance from your HELOC is $100.00

An Easy Way to Make Your Payment

Online Banking makes payments easy!

Use the Transfers Widget on Online banking or in the app
Make regular payments, extra payments, or principal only payments
Put your payments on Auto Pilot! Just change the frequency from “one time” to “monthly” and your payment will be made automatically!
Add an external account for payments in Online & Mobile Banking

Set up your Transfers today!

Online Banking