Equal Housing Lender. Member FDIC. All loans subject to credit approval.
*Home Equity Line of Credit (HELOC) lowest rate is Prime (6.75% Annual Percentage Rate (APR) as of 12/11/2025). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close out your home equity line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 12/11/2025) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.75%; maximum APR is 25.00% (OH, MI, PA), 21% (IN), 19% (KY). Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio.
Draw period: 10 years (interest-only payments). The interest rate on a HELOC is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 10-year draw period of your home equity line of credit. Repayment period: 10 years (principal & interest payments). Property insurance required and flood insurance may be required. Minimum loan amount is $10,000.00. Consult your tax advisor regarding interest deductibility. Subject to credit and property approval. Advertised rates and terms are subject to change without notice.
