HELOC Rates
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Variable, Revolving
APR1 (as low as)
7.00%
VPR2 (as low as)
Prime – 0.25%
Monthly Payment
Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of October 1, 2025, the prime rate was 7.25% and the lowest variable rate available was 7.00% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
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Variable, Revolving
APR1 (as low as)
7.50%
VPR2 (as low as)
Prime + 0.25%
Monthly Payment
Monthly payment is the interest accrued.
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of October 1, 2025, the prime rate was 7.25% and the lowest variable rate available was 7.00% APR. The APR will not vary above 18% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.2. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.
