Put Your Home’s Value to Work for You

Whether you're planning a big project, covering unexpected expenses, or just want peace of mind, our Home Equity Loans and HELOCs give you flexible, affordable options. Tap into the value you’ve built and get the funds you need on your terms.

Home Equity Loans

Big plans start at home. From updating your kitchen, to adding a home office, or expanding your living space, a home equity loan gives you the funding and reliability to make it happen.

Benefits

• Fixed Rates and Payments: Predictable payments for the life of the loan (up to 15 years).
• Generous Borrowing Power: Access up to 85% of your home’s value.
• No Surprise Fees: No application fees, closing costs, annual fees, or prepayment penalties — ever. 

How It Works

• Borrow up to 85% of your home’s value for projects, renovations, or major purchases.
• Get fixed monthly payments and predictable rates for up to 15 years.
• No hidden fees or penalties to worry about. 

Home Equity Line of Credit (HELOC)

Big plans or unexpected expenses? A Home Equity Line of Credit (HELOC) gives you the flexibility to borrow up to 85% of your home’s value when you need it and pay it back at a pace that works for you. From home renovations to tuition bills or anything in between, your HELOC is there to help with whatever life throws your way.

Benefits

• Generous Borrowing Power: Access up to 85% of your home’s value.
• Flexible Payment Options: Choose interest-only payments for lower monthly costs or principal and interest payments for faster payoff.
• Quick Access: Write a check or transfer funds online anytime.
• Competitive Rates: A cost-effective way to borrow when you need it most.

How It Works

• Borrow up to 85% of your home’s value for big plans or everyday needs.
• Choose your payment plan: interest-only payments (up to 10 years) or principal and interest payments (up to 5 years).
• Funds become available again as you repay, so you can borrow whenever you need it.