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Home Equity Line of Credit

Line of Credit Application Calculators

Looking to make home improvements, consolidate debt, or finally take that dream vacation?  Our new and improved home equity line of credit offers no closing costs* and no annual fee!  Even better, the money can be used to do just about anything.  In many cases, there are even tax benefits (consult with your tax advisor regarding the deductibility of interest).

The benefits of a Home Equity Line of Credit:

  • 4.45% APR* 
  • No Closing Costs*, unless appraisal is required
  • No Annual Fee
  • 10 Year Draw Period: Pay back and re-draw funds for 10 years
  • Pay to zero anytime without penalty

 

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*APR = Annual Percentage Rate. Rate is variable:  Maximum rate is 18% and minimum rate is based on prime rate in the Wall Street Journal + 0.70%. All loans subject to creditworthiness and approval. Credit terms and conditions subject to change without notice. Rate cannot increase more than 2% per year or more than 6% over the life of the loan. $5,000 minimum line of credit; $250,000 maximum line of credit; 90% maximum combined loan-to-value ratio. Appraisal required for loan to value greater than 80% and/or loan amounts greater than $100,000. Standard appraisal fee: $490. Membership Eligibility Required. 

Equal Housing Lender