Home Equity Lines of Credit (HELOC)

Tap into your home for life’s big expenses. 

Whether you’re financing education, taking a dream vacation, or covering unexpected expenses, get flexible access to funds when you need them most

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Benefits You’ll Love 

  • Conveniently access the funds you need.
  • Borrowing options that are customizable to you. 
  • Quick, local decision-making and processing.

Put your home’s equity to work with a Home Equity Line of Credit.

  • Access 24/7 with easy Online / Mobile transfers.
  • Close quickly with personalized assistance. 
  • No annual fee.
  • Competitive rate.  
  • Repayment term based on a 7-year draw period with a 10-year payback.
  • Interest paid may be tax deductible (consult your tax preparer).

What is Home Equity?

Home equity is the difference between the value of your home and the amount you owe. The amount of equity can grow over time as you make payments and the property value increases.  Over time, your home equity becomes an asset that you can borrow against to meet financial needs such as: 

    • Consolidating higher-rate debts 
    • Making home improvements or upgrades 
    • Paying college tuition 
    • Making major purchases 
    • And many more.

May Borrow up to 85 % of the value of the house minus the amount you owe on the house. See the example below: 

  • HELOC Amount = (Value of home X 85%) – Existing Loan Balance 
  • HELOC Amount = ($350,000 X 85%) - $150,000 
  • HELOC Amount = $297,500 - $150,000 
  • HELOC Amount = $147,500 
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Balance Minimum Opening Deposit Rate APY
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$15,000+ $x 0.00% 0.00%
All balances if qualifications not met $x 0.00% 0.00%

Qualifications

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