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. 


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 payments1
  • No appraisal in most cases1
  • 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 payments1
  • Convenient access to your funds — write a check, or transfer funds online, by phone, or at your local branch

Fixed-Rate Option

A unique option that allows you to convert any portion of your outstanding HELOC1 balance to a fixed rate. Use this option to pay down your balance quicker or establish a fixed payment amount.  

  • Low fixed rate2
  • Fixed monthly payment
  • Available in terms from 12 to 60 months2
  • Up to five Fixed Rate Option notes allowed per HELOC2

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.

1. Rates are subject to change. As of 6/29/18, the variable rate for owner-occupied HELOCs range from a low of 6.00% APR to a high of 18.00% APR, with no discounts. The Annual Percentage Rate (APR) for any portion of the HELOC not in a Fixed Rate Option is variable and may increase. The variable APR will change with the market based on the Prime Rate as published in the Wall Street Journal. Initial rates are determined based upon the specific characteristics of the transaction including but not limited to applicant’s credit, LTV, and amount requested. Minimum loan amount of $5,000.00. Origination fee of $ 99.00. 

A full appraisal may be required in some instances and will result in an additional appraisal fee. All purchase requests and all loan requests in excess of $250,000.00 will require a full appraisal. Maximum combined LTV is 89% of the lesser of the appraised value or the purchase price, and including any prior mortgages or liens. Minimum monthly payment of 1.50% of the outstanding balance. Entire remaining balance due must be paid at maturity in single balloon payment. Property insurance is required.

2. $50.00 fee applies for each Fixed Rate Option (FRO). The FRO allows the customer to lock in the rate at 1.00% over their current HELOC rate and to amortize the advanced amount over a period of 12 to 60 months. Minimum FRO amount of $1,000.00. Any amounts advanced and not included in a FRO will continue under the original terms of the HELOC. Refer to Section 1 above.

Apply for a Home Equity Loan today. Apply Now

Questions? Contact Us