HELOCs

Choose from our EZ HELOC or our Standard HELOC! Use the equity in your home to make home improvements, take your dream vacation, pay for college tuition, build an emergency fund or tackle your outstanding debt.

HELOC benefits:

  • No prepayment penalty.
  • Access your funds with unlimited check writing.
  • Transfer funds to your checking or savings accounts using My eBanking or CHAT telephone account access.
  • Tax deductible interest*.

EZ HELOC** – NEW!

Now there’s a more economical way to make home improvements or pay off debt. If you need $15,000 or less, our EZ HELOC is perfect for you with no closing costs and rates as low as 3.64% APR*.

The EZ HELOC can help:  EZ to apply. EZ approvals. EZ Process.

Standard HELOC***

  • NEW!!! Term is 20 years, consisting of a 10-year advance (draw period) and a 10-year amortized repayment period.
  • Borrow up to 95% of the equity in your home.
  • Rates as low as 3.64% APR^.

 

 

*For specific tax advice, please consult a qualified tax professional.

**All products are subject to credit and property approval.  Rates and terms are subject to change without notice.  Certain restrictions and limitations may apply.  There are no closing costs.  An appraisal may be required.  Home equity loans must be secured by your owner-occupied residence with a minimum loan amount of $10,000.  Property insurance is required.  The rate is indexed to prime plus or minus a predetermined margin and is subject to change quarterly.  The maximum rate of interest is 18.00% APR. The floor interest rate is 3.64% APR. (APR = Annual Percentage Rate).  All application requests are subject to credit approval.

***All products are subject to credit and property approval.  Rates and terms are subject to change without notice.  Certain restrictions and limitations may apply.  Closing costs average $300, not including appraisal fee.  Home equity loans must be secured by your owner-occupied residence with a minimum loan amount of $10,000.  Property insurance is required.  The rate is indexed to prime plus or minus a predetermined margin and is subject to change quarterly.  The maximum rate of interest is 18.00% APR. The floor interest rate is 3.64% APR. (APR = Annual Percentage Rate).  All application requests are subject to credit approval.