Turn the equity in your home into cash
Home Equity Line of Credit
So many ways to use your equity
Looking for a convenient, revolving source of funds, similar to a credit card? Our HELOC is an outstanding option.
- Borrow, repay and borrow again without reapplying.
- Our HELOC comes with a variable APR.
- Interest-only options available during the 10-year draw period.
- Receive up to 85% combined loan-to-value financing.²
- Pay no fees or closing costs on loans under $400,000.²
Intro APR for 6 months*
Then, as low as
Variable APR ¹, ²
Additional home equity options
Discover the benefits of a home equity loan and mini mortgage.Home equity loan
Interested in a fixed monthly payment but don’t want to refinance an existing first mortgage? A home equity loan (also known as a second mortgage) might be a great choice.
- Borrow a lump sum and enjoy a fixed payment.
- Get a fixed term and rate.
- Receive up to 85% combined loan-to-value financing.²
- Pay no fees or closing costs on loans under $400,000.²
Mini mortgage
If you want to refinance an existing first mortgage to a shorter term, this type of home equity loan is an excellent option. Investment properties are also eligible.
- Make only one monthly payment.
- Get a fixed term and rate.
- Receive up to 85% combined loan-to-value financing.²
- Pay no fees or closing costs on loans under $400,000.²
HELOC FAQs
How does a home equity line of credit work?
A home equity line of credit (HELOC) is an open-ended credit line, similar to a credit card, that uses the equity in your home as collateral. With a HELOC, you can borrow, repay and borrow as much as needed, which works well for ongoing expenses. HELOC interest rates are typically lower than credit card rates, which also makes a HELOC an excellent tool for consolidating debt.
Learn more about HELOCs
Additional resources
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Everything you need to know about HELOCs
A home equity line of credit can be a great financial tool for homeowners. Learn more about getting the most from your HELOC.
*For new home equity lines of credit, as well as credit line increases of $20,000 or more—on approved credit. Introductory Annual Percentage Rate is available for the first 6 months after the closing date. Afterward, the APR will convert to a variable rate based on the prime rate plus a margin and may vary monthly. Current variable APRs range from % to 18.00% depending on creditworthiness. Terms and conditions apply. This limited-time offer is available from 8/1/25 through 10/31/25 on loans that close by 11/30/25. Offer can change or be withdrawn at any time. Membership required—based on eligibility.
- The Variable Annual Percentage Rate (APR) is based on the Prime Rate, and will range from % APR to 18.00% APR based creditworthiness. 1% foreign transaction fee.
- Minimum loan amount $12,000. Some restrictions and conditions may apply. Some fees may apply that can range from $10 to $5,000. Rates subject to change. Property insurance is required. Actual APR based on creditworthiness. For loans secured by a first lien, payments do not include taxes and insurance and the actual payment obligation will be greater. No annual maintenance fee.
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