What is a home equity line of credit?

A Home Equity Line of Credit, or HELOC, lets the equity you’ve built in your home work harder for you. By borrowing funds against your home’s equity when you need it, a HELOC can be ideal whether you’re paying for a major expense or simply want to have quick access to emergency funds.

Home equity line of credit rate1

  • 3.25

Rates may vary by region and are subject to change. Rates range from 3.25% APR to 7.50% APR.1

Calculate my payment

Complete the application process in three steps


Apply online, by phone, or at our office


Submit requested documents


Close on your HELOC at your home

Benefits of a home equity line of credit

More cash in your pocket

Our competitive rates include variable or fixed-rate options, and the interest you pay may even be tax deductible.2 And with no application fees or closing costs, you can save even more.

Payment options that work for you

With flexible payment options you choose how you want to pay, including interest-only payments for those who qualify.

Money when you need it

Take advantage of several convenient options for drawing on your HELOC funds, whether it’s by visiting a branch or ATM, writing a check, using your Visa® Gold Access Card or via online banking.

What could you do with a HELOC?

Home improvements

Whether you’re looking to remodel your kitchen or build an outdoor living area, a HELOC can be a great option.

Debt consolidation

If debt management has become a burden, consider using a HELOC to consolidate your debt into a single, more manageable payment at a competitive rate.

Major purchases

A HELOC may give you the resources you need to help you make it happen, at a rate you can feel good about.

Emergency funds

An emergency fund isn’t always ready just when you need it. With a HELOC, feel prepared for whatever comes your way knowing you have access to available funds at competitive rates and flexible terms.