Home Equity
Tap into Your Home’s Value
Need financial help with remodeling your home, personal loans or even a vacation? We have you covered! With a Consumers home equity loan or home equity line of credit (HELOC), you get access to cash when you need it at a great, competitive rate.
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The Rundown
Fixed rate loan for specific, one-time costs.
- Interest may be tax deductible
- No application fees
The Rundown
Flexible open line of credit that can be used and paid on for an ongoing basis.
- Interest may be tax deductible
- Can link directly to your checking account as overdraft protection
- Rates typically less than credit cards
- No application fees
- If not using any funds, there are no charges
Rates and terms
Draw Period
- 10 years
- Variable rate
- Variable payment; interest only
Repayment plan
- 20 years
- Variable rate
- Variable Payment
- Principle and interest payments
The Rundown
Consolidates loans with a competitively priced home equity product for those reaching retirement age with a changing budget.
- No application fees
- 1st lien position only
All loans subject to approval. Rates, fees and terms subject to change and may be terminated at any time.
*This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of January 1, 2020. The introductory APR will convert to a variable rate after the first 12 months. The variable APR is based on the WSJ prime rate (currently 4.75%) and may adjust quarterly. After the introductory period, the variable APR can range from as low as 4.75% to a maximum of 18.00%. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 85% maximum combined loan to value and a minimum credit score of 660. Other restrictions may apply. Early termination fee of $300 if closed within first 24 months. Loan programs, rates, terms and conditions are subject to change at any time without notice. Closing costs up to $450 may apply if an appraisal is required to determine the property’s value. Proof of acceptable hazard insurance will be required.
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