Owning a home and building equity is a major achievement. The security of being able to access your equity can also be a relief. That’s where we come in. If you need to finance a home improvement, a child’s education, consolidate debt and more, a low-rate home equity loan or line of credit may be right for you.

Secured by the equity in your home, home equity loans and lines let you withdrawal up to 80% of your home’s value, minus your first mortgage balance.

Here’s more to help you choose which option is right for you:

  • Home Equity Line of Credit (HELOC)

    Drawing money from a credit line helps you borrow when you need it. This variable-rate option is suitable to an ongoing home project, education expenses or a safety net.

    • Low 4.500% APR, tied to the Prime Rate
    • No points
    • No fees or closing costs for loans between $10,000 and $250,000
    • No annual fee
    • Borrow up to 80% of the home value
    • Protect your loan with debt protection

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  • Home Equity Loans

    A home equity loan is better suited to debt consolidation, a home improvement or one-time expense. Because the interest rate is fixed, so are the monthly payments, making it easy to budget accordingly.

    • Rates as low as 4.490% APR for 10 years
    • No points
    • No fees or closing costs for loans up to $250,000
    • No annual fee
    • Borrow up to 80% of the home value
    • Protect your loan with debt protection

    View Rates