HELOC

Extra money, right when you need it

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Gain access to a credit line you can tap into for any reason

Instantly borrow cash without having to apply for a new loan each time

Use Online or Mobile Banking for fast access to funds

Keep your budget on track with interest-only monthly payments

HELOCs – for everything from medical bills to vacation thrills

The best feature of a Home Equity Line of Credit? There are no strings attached to how you use the funds. Take care of serious matters or enjoy one of life's many pleasures.

Credit limit depends on the equity you have in your home (Equity is the current market value minus your mortgage balance)
Affordable interest rates that are usually lower than those on credit cards
Often used to consolidate higher interest loan and credit card debt
When borrowed funds are repaid, they may be used again for other purposes

HELOC Special Offer Text

Frequently Asked Questions

What is a home equity line of credit (HELOC)?

A HELOC is a revolving line of credit that works like a credit card — except it’s secured by your home. You can withdraw money as needed up to a maximum limit, pay the balance to zero and re-use the line for a set time frame called a draw period.

The benefit of a home equity loan or line of credit is to provide access to cash for things like home repairs, remodeling, medical or college expenses. Borrowing against your home's equity may have tax advantages (consult your tax advisor), and doing so may provide a lower interest rate than other options, such as credit cards or personal loans.

Learn more about home equity loans or home equity lines of credit (HELOCs).

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*As of 3/1/2026, 12-month fixed intro APRs from 6.24% to 7.49%; current indexed variable APRs from 7.25% - 8.375%. 4.50% floor APR. Lifetime maximum variable APR is 16.00%. Rates offered to approved applicants depend on credit history, loan-to-value ratio and other factors we may lawfully consider. Fees to establish an equity line typically range from $600-$1,500. No annual or early termination fee. For HELOCs over 80% up to 85% LTV, maximum available credit limit is the lesser of $175,000 or available equity. All loans subject to credit approval. Available rates and terms subject to change without notice.

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HELOC

HELOCs – for everything from medical bills to vacation thrills

Check Out Our HELOC Special

Learn More About KeyPoint HELOCs

Frequently Asked Questions