HOME EQUITY LINE OF CREDIT (HELOC)

Don’t stress your budget.

Our HELOCs offer flexibility and a special introductory rate.

Apply now

Questions? We can help.

Why use a heloc

What is a HELOC, and how can I use it?

A HELOC allows you to borrow money as you need it up to your credit limit. HELOCs also have a variable rate, meaning it can change throughout the course of your repayment.

Wondering what you can use it for? Here are just a few examples.

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Home Improvements

From a kitchen or bath remodel to a new roof or driveway, turn your dream home into a reality.

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Debt Consolidation

Clean up debt by consolidating it into one payment, often with a lower interest rate.

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Safety Net

From bills to college tuition and any other unexpected expense, it can help you when you need it most.

Have something else in mind? Book a call with one of our expert lenders to discuss your options. Then, complete our simple application process in just a few minutes. In most cases, a home appraisal is not required.

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Competitive rates

Current HELOC rates

Standard HELOC

15-year draw, 15-year repayment

Monthly payment is 1.5% of the amount borrowed ($25 minimum) ‍1

Standard HELOC Rates
Intro Rate as low as‍1Rate as low as‍1APR as low as
5.99% until October 1, 20267.94% after intro period7.94%
6.49% until April 1, 2027
Rates based on 80% combined loan-to-value (CLTV) or lower, accurate as of 10/15/2025
 Apply now Calculate my equity

Interest-Only HELOC

15-year draw, 15-year repayment

Monthly payment is interest due based on the amount borrowed ‍2

Interest-only HELOC
Intro Rate as low as‍2Rate as low as‍2APR as low as
5.99% until October 1, 20268.44% after intro period8.44%
6.49% until April 1, 2027
Rates based on 80% combined loan-to-value (CLTV) or lower, accurate as of 10/15/2025
 Apply now Calculate my equity
Need to know

HELOC requirements

What’s best for you

Not sure if a HELOC is right for you?

We also offer a Home Equity Loan. Visit our Home Equity Loan page to learn more about this option. Then, decide which one is best for you and apply today.

Difference Between Home Equity Products
Home Equity LoanHELOC
Fixed Interest Rate and Payment
Variable Interest Rate
Withdraw Money as You Need It
Receive All the Money at Once
Pay Interest Only on the Amount You Advance
Interest-Only Payment Option
Debt Protection
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Book an Appointment

Questions? We can help.

Questions about whether a HELOC or Home Equity Loan is right for you? Book a call with one of our expert lenders to discuss your options.

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Blog

Learn more about a HELOC

The Differences Between Home Equity Products

Find out the differences between Home Equity Loans and Lines of Credit, and discover what they’re commonly used for.

Why Your Debt-To-Income Ratio Is Important When Applying for Loans

If you’re looking to borrow money with the help of a loan, you may have heard the term “debt-to-income ratio” (DTI) thrown around. This article will break down what DTI is and the important role it plays in the loan application process.

4 Benefits of an Interest-Only HELOC

An Interest-Only HELOC can be a helpful tool for homeowners. But you must know how to use it, what makes it beneficial, and in what situations it makes sense. Throughout this article, we’ll cover the basics and benefits of an Interest-Only HELOC.

FAQs: You asked. We answered.

How much equity do I need in my home to get started?

To be considered for a HELOC, you must have at least 10% equity in your home. Qualified applicants may borrow up to 90% of their home’s value. Questions about your eligibility? Book a call with one of our expert lenders.

I don’t know which Home Equity product is best for me. How do I choose?

If you’re unsure which product is right for you, our team can provide a personalized recommendation based on your financial situation. Call 800.845.5025 to get started.

How are my HELOC payments determined?

Your payment will be 1.5% of the amount borrowed. If you have a credit limit of $20,000, but only draw out $5,000, you would pay 1.5% on the $5,000 balance. If you have an interest-only HELOC, the monthly payment will be the interest accrued during the month.

Can I get a HELOC for my second home or one of my investment properties?

We do not offer HELOCs for investment properties; however, you can get a HELOC for a second home if the property meets our eligibility standards. Eligible property types include primary residences and second homes (located at least 50 miles from the primary residence) owned for at least 6 months. Properties must be one of the following: single-family homes, 2-4-unit condominiums, owner-occupied duplexes, or townhouses.

Can I protect myself with Life, Disability, and Unemployment coverages on my loan?

Yes, debt protection is available for all HELOCs. Learn more about our coverages or start a claim now.

Disclosures

See our Fee Schedule for a list of fees you may encounter.

APR=Annual Percentage Rate

  1. 5.99% is an introductory rate lock available until October 2026. Non-introductory rate is 7.94% APR and is current as of 10/15/2025. Introductory rate and non-introductory rate are based on 80% combined loan-to-value or less and reflect all available discounts. Loan is subject to credit approval and actual rate is based on applicant’s credit history and terms of the loan. Rates and terms are subject to change after the introductory rate lock period ends. After the introductory period the rate is variable and can adjust semi-annually in April and October based on a 12-week average of the 1-Year Treasury Constant Maturity Rate plus a margin; currently 7.94% APR. Maximum rate is 15.9% APR. Payment is based on 1.5% of amount borrowed, with a minimum payment of $25. Finance charges begin to accrue on the day an advance is made. Minimum loan amount $5,000. No annual fee. Credit Union membership required. Separate payment of taxes and insurance may be necessary. Depending on loan terms and property location, borrower paid closing costs can range from $175 to $2,000. Product not available in Maryland, Texas, Hawaii, and Alaska.
  2. 5.99% is an introductory rate lock until October 2026. Non-introductory rate is 8.44% APR and is current as of 10/15/2025. Introductory rate and non-introductory rate are based on 80% combined loan-to-value or less and reflect all available discounts. Loan is subject to credit approval and actual rate is based on applicant’s credit history and terms of the loan. Rates and terms are subject to change after the introductory rate lock period ends. After the introductory period the rate is variable and can adjust semi-annually in April and October based on a 12-week average of the 1-Year Treasury Constant Maturity Rate plus a margin; currently 8.44% APR. Maximum rate is 15.9% APR. Payments are interest only and are based on the amount borrowed. Borrow at a variable 5.99% APR; estimated monthly payments of $49.92 per $10,000 borrowed. Finance charges begin to accrue on the day an advance is made. Minimum loan amount $5,000. No annual fee. Credit Union membership required. Separate payment of taxes and insurance may be necessary. Depending on loan terms and property location, borrower paid closing costs can range from $175 to $2,000. Product not available in Maryland, Texas, Hawaii, and Alaska.