Home equity loan or line of credit

Tapping into your home's equity is a great way to pay for home improvements, consolidate debt or pay for other major expenses.

Apply online

Tap into your home

Tap into your home



10 year home equity loan

With a home equity loan, receive the money you need in one loan with a fixed interest rate.

  • Borrow up to 90% of the value of your property.
  • Payments and interest rate are fixed.
  • Receive up to $300 toward closing costs.2
  • Interest rate discounts for "green" home renovations.3
  • Flexible underwriting and in-house servicing. 

Learn more


Introductory rate then as low as 2.99% thereafter

Interest only home equity line of credit

With a home equity line of credit (HELOC) you can borrow money multiple times from your available maximum amount over the life of your line. 

  • Borrow up to 90% of the value of your property.
  • 10-year draw period.
  • Payments are interest only for the first 10 years.
  • Receive up to $300 toward closing costs.2
  • No annual fee.
  • Flexible underwriting and in-house servicing. 

Learn more


Apply online

Use our online application to apply for a home equity loan or line of credit. 

To receive the green home equity discount, notify your loan officer that you're doing green home renovations when you receive the approval notification after completing the application.

Apply online

Home equity options

I have equity in my home - now what?

Not sure which home equity loan option is right for you? We can help! Read our tips below or contact one of our knowledgeable loan officers. 

A home equity loan may be right for you if:

  • You prefer the security of a fixed rate.
  • You know the specific amount you want to borrow. 
  • You are using the funds to consolidate debt or make a large purchase. 
  • You want to pay principal and interest every month. 
  • You are planning "green" improvements to your home and want the interest rate discount.

A home equity line of credit may be right for you if:

  • You want the ability to draw funds from your line of credit as needed - as little or as much as you need.
  • You like the flexibility of a interest-only payment period for fluctuating budgets and uncertain times.
  • You prefer a variable interest rate after an initial introductory rate.
  • You want a payment based only on what you borrow, plus the interest rate. 


1 Annual Percentage Rate (APR) shown current as of 7/1/2020 for applicants with excellent credit and is subject to change without notice. APRs based on credit score and loan-to-value. Your APR may be higher. Sample term: If you borrow at 3.25% APR for a 10-year term your estimated monthly payment may be $244.30. Offer subject to credit approval.

2 A credit of up to $300 will be applied toward closing costs for home equity loans of $25,000 and above. If the home equity loan is closed within the first 24 months, the credit will be charged at payoff.

3 Green home renovation of 0.50% rate reduction on home equity loan if at least 75% of loan is used for qualified energy-efficient and/or energy saving home improvements. Documentation of home improvements required.

4 The introductory and sample variable annual percentage rate (APR) are based on new financing with an amount of $25,000 with an initial draw of $10,000 at loan closing. Applications are subject to approval. The variable rate APR adjusts monthly based on the prime rate published in the Wall Street Journal on the last business day of the month, plus a margin based on loan-to-value and creditworthiness. Your APR will depend on credit and loan terms. Maximum APR is 18%. Offer limited to first and second mortgage liens on a one- to four-family residential property. Property insurance and/or flood insurance may be required.