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Home Equity

Home Equity Lines of Credit & Loans

We’re all about helping you get the most out of life – right now and the right way.

And we work hard to deliver the financing solutions that give you the cash you need to build the life you want – like our home equity solutions. By using the equity in your home, you can get the cash you need to make life better in so many ways:

  • Consolidate your debt
  • Make improvements and repairs to your home
  • Pay for education expenses, unexpected bills or medical bills
  • Make a major purchase like a car or furniture
Financing  Solutions

Achieve any aspiration.

Home Equity Line of Credit (HELOC)

Enjoy a flexible line of credit so you can get the cash you need
right when you need it.

  • Flexible line-of-credit access to cash
  • Finance only what you need when you need it at a
    competitive variable rate
  • Borrow up to 89.9% of the value in your home
  • Flexibility to convert drawn funds to a fixed rate loan
  • Enjoy tax benefits*

*The interest may be tax deductible. Consult your tax advisor.

Home Equity Loans (Fixed-rate Second Mortgage)

Use the equity in your home to receive a lump sum of cash to
help you tackle your goals.

  • Competitive fixed rates
  • 15-year and 30-due-in-7 options
  • Amortized payment schedule
Achieve any aspiration

The APR for a Home Equity Line of Credit is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin.  The maximum APR is 12.00%.  You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment for variable rate balances will be established at the close of each billing cycle at an amount equal to the greater of 1.00% of Your then unpaid balance or all accrued but unpaid Finance Charges incurred during the billing cycle, subject to the lesser of $50.00 or your variable rate balance. Typical loan application and closing fees can range from $231.25 to $1,088.25. The Annual Percentage Rate (APR) for a Fixed Rate second mortgage is based on credit score.  An APR of 10.25% will result in 180 monthly payments of $10.90 for every $1,000 borrowed.

View our Home Equity Line of Credit Disclosures
What you should know about Home Equity Lines of Credit

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Mortgage Loans

We offer a variety of mortgage options to meet your needs, whether this is the first home you’ve ever bought or you’re interested in refinancing a mortgage you already have.

Get Purchasing Power

Get Purchasing Power

Experience life the way you want to, with the purchasing power that helps you accomplish more. You’ll find it with our rewarding Visa® credit cards.