Home Equity Loans & Lines of Credit
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- Can be first or second mortgage on your home
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HELOC SPECIAL
2.00%APR* BELOW
PRIME RATE
FIXED FOR THE FIRST 12 MONTHS

*APR is the Annual Percentage Rate. The special rate will be in effect for the first 12 months of the loan. After the promotional period, the rate will adjust to Prime Rate, as published in the Wall Street Journal, or the Minimum Rate as listed on the Loan Note, whichever is higher. Prime is a variable rate; as it changes, the APR on your loan will also change. The Maximum Rate is 15.00%. Appraisal fee may apply. All loans are subject to credit approval. Offer valid on applications submitted by December 31, 2025. Owner occupancy required. Cannot be combined with other offers.
Comparison
Loan Type | Home Equity Line of Credit (HELOC) | Home Equity Loan |
---|---|---|
Features | The HELOC serves as a reusable credit line | The full amount of the loan is advanced at the beginning of the loan |
Interest Rate | Variable Rate | Fixed Rate |
Term | 10 year draw period | 10 to 15 years |
Accessibility to Funds | Use the funds simply by writing a check | Receive the full loan amount at once |
Payments | Interest only payments each month during the 10 year draw period | Principal and interest payments each month during the term you choose |