Home Equity

More than a home

What Can My Home Equity Do?

The equity in your home (its value minus the amount you owe) is a little bit of a secret weapon that can be used to fund just about anything...remodels and upgrades, major purchases like vehicles or appliances, even ‘life stuff’ like orthodontics and education costs. Learn more and see what your home equity can do!

3.94% APR *
2-Year Fixed Rate
Home Equity Line of Credit (HELOC)

The Details

• 3.94% APR * 2-year introductory rate

• Up to 90% combined loan-to-value

• $199 third-party fee at application


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Why it's a good choice

Think ‘flexibility’. A HELOC works a lot like a credit card: you have a certain amount to use and pay back . . .


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How should I use it?

Life is full of surprises. Sometimes you need quick access to funds outside your normal expenses . . .


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4.99% APR1
Home Equity Loan

The Details

• Rates starting at 4.99% APR 1

• Up to 90% combined loan-to-value

• $199 third-party fee at application


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Why it's a good choice

Predictability. Get the full amount you need all at once, and at a fixed rate, so payments are consistent...


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How should I use it?

Major projects or purchases are worth the cost when they

increase your home’s value...


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* Subject to credit approval. Limited time offer. Minimum credit line is $5000. Introductory rate is an Annual Percentage Rate (APR) of 3.94% for the first 24 months. Introductory rate is available on new home equity lines of credit only with combined loan-to-value ratio (CLTV) of 90% or less. After the introductory period, the APR for lines of credit of 85% CLTV or less is the prime rate quoted in the Money Rate section of the Wall Street Journal (“Wall Street Journal Prime”) plus 0.25%. The APR for lines of credit with combined loan-to-value of 85.01%-90% is Wall Street Journal Prime plus 0.50%. APR will never be lower than 3.94%, nor exceed 19.50%. The Wall Street Journal Prime on February 1, 2018 was 4.50%. Current index (Wall Street Prime) plus margin (.25%-.50%) is 4.75%-5.00%. Terms and conditions subject to change without notice and may affect this offer. Cannot be used in conjunction with any previous offers. $199 third-party fee will be charged at application. If your property is located in KS or MN, you will pay a mortgage recording tax up to .24% of your credit limit amount. See your loan officer for details. Proof of homeowners insurance is required.

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1. Subject to credit approval. The annual percentage rate (or APR) is the is the total annualized cost of your loan. Minimum loan amount is $10,000. Terms and conditions are subject to change without notice and may affect this offer. Cannot be used in conjunction with any previous offers. $199 third party fee will be charged at application. Proof of home owners insurance is required. Consult your tax advisor regarding interest deductibility.

Home Equity Loan Options
4.99% APR 5/1 ARM (up to 15-year amortization) **
5.793% APR 7-year fixed ***
6.211% APR 10-year fixed ***


** For adjustable rate mortgage (ARM), after the initial period (62 months), rates and payments will change based on the current index plus a margin each year for the remainder of the term of the loan. Rate is subject to increase at a future date after consummation of the loan. 

*** Fixed rate home equity loans feature fixed monthly payments, amortized over the term of your loan.

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