A low-interest Home Equity Line of Credit (HELOC) gives you easy access to funds when you need it.

Low rates and affordable monthly payments make it possible to decrease debt, buy a big-ticket item, complete a project, pay for life events and more.
  • Low monthly payments and interest rates keep costs down
  • Budget-friendly planning to support your unique goals
  • Only borrow what you need when you need it
  • Revolving credit lets you borrow again and again
  • No application fees makes it stress-free to get started
  • Up to $2,500 closing cost credit* so you can make even more out of your money
  • Pay interest only on the amount borrowed1 so you can stay in control of your finances
HELOC Rates
Rates Effective: 4.26.25
Rates and points are subject to change without notice.
Product Rate APR
Home Equity Line of Credit
Terms and Conditions		7.500%7.500%

Not available for investment properties - The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of the month. Rates subject to change at any time. The minimum APR is 3.25% and the maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $60 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. Subject to credit approval.

*NO CLOSING COST OPTION: Third party fees and charges ranging from $350 to $1,000 may be assessed at closing. If at the time of closing you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and within the first statement cycle elect electronic statements, we will pay the Third Party Fees and Charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report and recording fees (Third Party Fees and Charges). If at any time during the term of your HELOC you fail to maintain the AFT or ACH or an electronic statement, you agree to repay the Third Party Fees and Charges that we previously paid which may be added to the outstanding balance of your HELOC. If at the time of closing you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. Not available for loans that fall outside our standard product, rate, term and underwriting guidelines.

Home Equity Line of Credit

The information provided is based on a $100,000 home equity loan. The property is located in Chicago, Cook county in the State of IL. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 740. These rates are subject to change without notice. Loan to Value must be less than or equal to 80%. (For collateral located in the state of Florida, the Loan to Value must be less than or equal to 75%). For loans secured by a first lien on a dwelling, payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. The minimum APR is 4.25% and the maximum APR is 18%. Subject to credit approval. Standard rates apply.

    Interest Rate/APR: Prime Rate published in the Money Rates section of the Wall Street Journal. + 0.000% (currently 7.500%), subject to increase.
    Payment: Your Regular Payment will equal the amount of your accrued Finance Charges.
    Term: The draw period will extend to the first day of the month following execution of the loan documents plus ten (10) years.
    Balance Due at End of Loan Term.
    Closing Fees: $612.00
    Annual Fee: $75.00