There are many reasons you might want to use the equity in your home – to remodel your house, pay tuition bills or consolidate other debts. We can help you with a home equity line of credit.

For current HELOC rates, apply online or contact one of our HELOC loan specialists at any branch location.

Read More About Home Equity Lines of Credit

Two HELOC Options

  • With a monthly adjustable, the initial rate is in effect for one month. After the first month the annual percentage rate is based on the value of an index, plus a margin. The annual percentage rate may vary. There is no minimum rate and the maximum rate is 18%.
  • With a three-year fixed, the initial rate is fixed and good for three years. After three years the annual percentage rate is based on an index plus a margin and may vary monthly. There is no minimum rate and the maximum rate is 18%.

Minimum Monthly Payment

The minimum monthly payment is the accrued interest only or $30, whichever is greater, for 10 years. This 10-year period is called the draw period. During the draw period, you may keep the credit line open even if it has a zero balance. The loan is then converted to a 10-year amortized loan during which the payments include both principal and interest.

Processing Your HELOC

The following information is needed to process your new Home Equity Line of Credit. Please bring this documentation so your application is not delayed.

  • Identification: Current driver's license and social security card for each borrower.
  • Income verification:
    • Most recent paystub
    • Most recent W-2 or 1099
    • If self-employed, commissions or rental income, one year of
      • Personal and business returns
      • Year-to-date P&L
  • Most recent mortgage statement
  • Insurance: Current homeowners insurance policy declarations page

Frequently Asked Questions

Are there closing costs associated with a Home Equity Line of Credit?
Can I pay ahead on my home equity line of credit?
Can I roll my closing cost fees into my loan?
Do I need to provide you with proof of my homeowners insurance?
Do you have more than one Home Equity Line of Credit option to choose from?
How long will I be able to use this Home Equity Line of Credit?
View More FAQs

Other Home Loans

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Membership eligibility required. All loans are subject to credit approval, underwriting, collateral appraisal and terms and conditions. Offers subject to change or cancellation at any time without notice. Actual rates and terms may vary based on creditworthiness, property value, loan amount and other factors. Not all will qualify for the lowest rate. Consult a tax advisor regarding deductibility of interest. For full terms, conditions and current rates, please reach out to a HELOC loan specialist at any branch location. This is not a commitment to lend. You could lose your home if you do not meet the loan obligations. 

This is a variable-rate plan. Minimum credit line of $10,000 required. During the 10-year draw period, minimum payments are interest-only or $30, whichever is greater. After the 1st month or 36th month depending on the product you choose, your rate is based on an index plus a margin and varies monthly. After the draw period, a 10-year repayment period begins with monthly payments of principal and interest. As of 4/1/2026, based on the index and margin, the fully indexed APR could be as low as 6.75%. Your APR may vary. Maximum APR is 18%. Closing costs range from $300 to $2,500. Property and/or flood insurance may be required and is not included in closing costs. $50 annual fee applies.