Low $99 origination fee*


  • Flexible way to get funds
  • Quick turnaround

Consider using the equity in your home for debt consolidation, education expenses, or home improvement projects. Whatever your borrowing needs, your home's equity can help you turn your dreams into realities.

Home Equity Lines of Credit (HELOCs)

A HELOC is a line of credit secured by your home. With a line of credit, you get the flexibility to use how much you need, when you need it. And, as you pay down the balance of your HELOC, you can reuse the available funds in the future. Funds can be drawn from for five years with interest-only payments required. After the five-year draw period, a ten-year repayment period begins where both principal borrowed and interest payments are required. 


Our EZ HELOC makes tapping your home's equity even easier! The name says it all: EZ to apply, EZ to close.

  • For loan amounts between $5,000 and $25,000
  • Closes quickly - typically within 24-48 hours
  • Low monthly payments*
  • No appraisal in most cases*
  • Convenient access to your funds

Standard HELOC

Working on a bigger project? Want to consolidate debt and save money? The Standard HELOC is a great option for you.

  • For loan amounts over $25,000
  • Low origination fee and no closing costs (unless an appraisal is needed to meet loan-to-value guidelines)
  • Low monthly payments*
  • Convenient access to your funds — write a check, advance funds via mobile app, or transfer funds online, by phone, or at your local branch

Home Equity Loans

Choose a home equity loan if you are consolidating debt or making a major purchase. Whatever your financing need, you have peace of mind in knowing your interest rate and monthly payments will be fixed for the life of the loan.

  • Simplified application and quick approval
  • Affordable terms
  • Funds are disbursed in a lump sum
  • Low fixed rates that will not change during the term of your loan
  • Fixed monthly payments
*Origination fee of $99.00 applies to all HELOCs (normally $325.00). Offer does not apply to current Home Equity Line accounts. As of December 21, 2018, the variable rate for owner-occupied HELOCs ranges from a low of 6.50% APR (Annual Percentage Rate) to a high of 18.00% APR, with no discounts. Initial rates are determined based upon the specific characteristics of the transaction including but not limited to applicant’s credit, LTV, amount requested, and term. Minimum loan amount of $5,000.00. A full appraisal may be required in some instances and will result in an additional appraisal fee. Maximum combined LTV is 89% of the lesser of the appraised value or the purchase price, whichever is less, and including any prior mortgages or liens. Funds can be drawn from for 5 years, during which time interest-only payments are required.  After the 5 year draw period, a 10 year repayment period is entered, during which time payments of both principal borrowed and interest are required. Property insurance is required.
Put the equity in your home to work. Apply Now