Borrow Smart with a
Home Equity Line of Credit

Get the cash you need when you need it. Our flexible line of credit is a convenient and easy way to let you access money when you need it.

  • No closing costs 1
  • Interest payments may be tax deductible 2
  • A lower interest rate than most credit cards
  • Easy access to your funds
A home equity line of credit can be used however you choose:
  • Kitchen remodel
  • Debt consolidation
  • Education expense
  • Pay off a major expense
  • Create a financial reserve for unexpected expenses

Enjoy peace of mind by knowing you have instant access to your funds - and borrow as little or as much as you like of your credit line.

Subject to credit approval. The 2.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a loan-to-value of 85% or less. The introductory rate of 2.99% APR will apply for the 12-month introductory period. After the introductory period, the APR may vary monthly and is based on an index (Prime Rate as published in the Wall Street Journal) plus a margin. The rate will not exceed the lower of 18% or the maximum allowed by applicable state law. The minimum rate during the term of the line is 2.99% APR. As of 03/28/15, the post-promotional period rate for Home Equity Lines of Credit is 4.00% APR. All rates noted reflect a discount offered for setting up auto-draft payments from a checking account with our bank or an affiliate. Without such auto-draft payment, your rate will be 0.50% APR higher than noted in both the introductory period and subsequent term. An annual fee of $50 will apply after 12 months. Some restrictions and fees apply. Valid for owner occupied primary residence only (single family detached home). Not available on home purchase transactions or manufactured homes. Maximum allowed combined loan-to-value for all obligations secured by the property may be less than but must not exceed 85% of the value of your home subject to our standard credit underwriting. Property and, if applicable, flood insurance must be in effect on the property securing the account. No closing costs for most states. FL, NY, MD, LA, GA, MN, TN and VA are subject to specific state rules regarding closing costs and at a minimum borrower must pay recording fees and transfer taxes. Product not available in Texas. Program terms and conditions are subject to change without notice.

1 - "No closing costs" offer not available on lines in excess of $250,000 or less than $10,000.

2 - Consult your tax advisor regarding the deductibility of interest.

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Applying is fast and easy. Simply apply online or stop by one of our branch locations to learn more.

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Questions or to Apply by Phone
  • Introductory Rate for 12 Months
    2.99% APR
    Variable Rate After Introductory Period
    4.00% APR
    These rates are accurate
    as of March 28, 2015.