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Home Equity Line of Credit (HELOC)

Mortgages & Home Loans

Access funds that can be used for just about anything with rates lower than a credit card and potential tax deduction benefits.

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Home Equity Line of Credit
Types APR* As Low As**  Special Requirements
1st or 2nd mortgage 3.75% 144 month maximum/variable

* APR = Annual Percentage Rate
**Rates based on less than 80% loan to value. Rates stated are variable and can change semi-annually on the first day of January and July. The rate cannot increase or decrease more than 1 percentage point per adjustment and no more than 5 percentage points above the initial rate or the maximum permitted by law, whichever is less. Loans up to $150,000. Origination fee of 1.00%, with additional fees for appraisal and/or title property if required for loan qualification. Rate adjustments occur twice a year and are based on Wall Street Journal Prime Rate + 0.25%. Floor rate cannot reduce below 3.5%.


Product Details

  • Interest is only paid on the balance owed, and a new loan application isn’t required when the balance is paid down.
  • A HELOC may also provide tax deduction benefits. Talk to your personal tax adviser for more details.

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APR = annual percentage rate

Rates based on less than 80% loan to value. Rates stated are variable and can change semi-annually on the first day of January and July. The rate cannot increase or decrease more than 1 percentage point per adjustment and no more than 5 percentage points above the initial rate or the maximum permitted by law, whichever is less. Loans up to $150,000. Origination fee of 1.00%, with additional fees for appraisal and/or title property if required for loan qualification. Rate adjustments occur twice a year and are based on Wall Street Journal Prime Rate + 0.25%. Floor rate cannot reduce below 3.5%.

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