Limited Time Introductory Rate Offer
How It Works
3.99% Intro APR for the first 6 months on lines of $10,000 or more.
After the First 6 Months
Variable APR based on WSJ Prime rate plus a margin.
Make the Most of Your Money
Maximize your cash flow with our limited-time Interest-Only HELOC promotion! This means significantly reduced payments, making your monthly budget more manageable. At the same time, a HELOC allows you access to the funds you need for home renovations, debt consolidation, or any expense life throws at you. Experience the financial flexibility of a revolving line of credit with the advantage of exceptionally manageable, interest-only payments.
Debt Consolidation
Due to our competitive rates, a Home Equity Line of Credit (HELOC) presents an excellent option for consolidating debt with higher interest rates.
Remodel Your Home
Since a HELOC functions as a revolving line of credit, you have the flexibility to access funds for your home renovation projects on an as-needed basis. This gives you the ability to manage expenses effectively and borrow only the amount required.
Pay for School
Interested in helping your children with early tuition payments and other educational costs? Or perhaps you're considering pursuing further education yourself. A Home Equity Line of Credit (HELOC) allows you to leverage the equity in your home as an alternative to expensive student loans.
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Your Imagination is the Limit
Anticipating the arrival of a new child? Planning the wedding of your dreams? The possibilities for utilizing your Home Equity Line of Credit (HELOC) are endless. And the most appealing aspect? The loan is secured by your home's equity, which means the interest rates are exceptionally attractive, particularly with this time-sensitive promotion.
Home Equity Loan
For homeowners seeking a term loan instead of a line of credit, our Home Equity Loan offers the same special 3.99% APR for the first six months, allowing you to utilize your home's equity but with a fixed rate and payment schedule.
Apply for a Home Equity Loan
What's The Difference Between an Interest-Only HELOC and a Home Equity Loan?
| Details |
Interest-Only HELOC |
Home Equity Loan |
| Uses |
- Ideal for multiple, convenient purchases or expenses over time
- Remodeling, debt consolidation, education, emergency funds, etc.
|
- Ideal for one-time expenses
- Remodeling, debt consolidation, retirement prep, vehicle purchase, etc.
|
| APR |
Variable, based on Prime
|
Fixed (stays the same over the life of the loan) |
| Term |
10 years |
Up to 10 years |
| Amount |
- $10,000 minimum loan amount
- Combined loan-to-value up to 85%
|
- $10,000 minimum loan amount
- Combined loan-to-value up to 85%
|
| Limitations |
- Must be owner-occupied
- Residence or second residence
|
- Must be owner-occupied
- Residence or second residence
|
1Interest-Only Home Equity Line of Credit - The promotional rate of 3.99% is valid for the first six (6) months of the loan only. After the six (6) month promotional period, the Annual Percentage Rate (APR) during the revolving period is variable and ranges between WSJ Prime -.25 up to WSJ Prime +1.25 with a floor of 4.0% APR with a maximum APR of 21%. The APR offered is based on the credit characteristics, Loan-To-Value (LTV), and collateral. The term is 10 years. The loan amount must be $10,000 or greater. Current appraisal and property insurance are required, including flood insurance when applicable. The client pays all fees and costs. A one-time $150 loan documentation fee applies, and all fees may be financed. Maximum loan amounts range from 60%-85% of the home’s value based on the amount borrowed. There is no down payment required. The minimum monthly payment is the interest accrued each month. Interest-only payments will result in a balloon payment of the remaining loan balance at the end of the loan term. Loan example: a $40,000 loan balance with a 10-year term (120 months) and an APR of 6.00% has a minimum monthly payment amount of $200. All rates and terms are subject to credit approval and can change without notice. The promotional period begins on the date the account opens. The offer ends on August 29, 2025.
2Home Equity Loan - The promotional rate of 3.99% is valid for the first six (6) months of the loan only. After the six (6) month promotional period, the Annual Percentage Rate (APR) is fixed. The APR offered is based on the credit characteristics, term, and Loan-To-Value (LTV). Current appraisal and property insurance are required, including flood insurance when applicable. The client pays all fees and costs. A one-time $150.00 loan documentation fee applies, and all fees may be financed. Loan amounts may not exceed 85% of the home’s value. The loan amount must be $10,000 or greater. There is no down payment required. The minimum monthly payment varies by loan term and APR. Loan example: a $25,000 original loan balance with a 10-year term (120 months) and an APR of 10.129% has a minimum monthly payment amount of $332.17. All rates and terms are subject to credit approval and can change without notice. The promotional period begins on the date the account opens. The offer ends on August 29, 2025.
