Your home’s equity = flexibility to get things done

Limited-Time Offers

Home Equity Line of Credit & Cash-Out Refinance

Offers end November 5

Home Equity Line of Credit

Get an introductory rate for 12 months.

  • Now
    2.99% APR1
    fixed introductory rate
  • Later
    as low as 4.24% APR2
    variable rate thereafter

Get access to the cash you need, when you need it.
No closing costs, no application fee.

Get started

Apply now

Have questions?
Call 888-664-2135 to speak with a banker.

Schedule an appointment.
Find your local banking center.

Cash-Out Refinance

Get $250 off your closing costs.3

Get a lump sum of money when you close on a
new mortgage at a great rate.

Get started

Apply online or find a
mortgage banker

Have questions?
Call 888-664-2135 to speak with a banker.

Home Equity Line of Credit vs. Cash-Out Refinance

Which home loan option is best for you?
Home Equity Line of Credit (HELOC)
Cash-Out Refinance
Snapshot
  • HELOC

    A HELOC is a revolving line of credit that allows you to take multiple advances over time and access cash whenever you need it.

  • Cash-Out Refinance

    A Cash-Out Refinance is a new mortgage that replaces your existing mortgage and gives you cash in a lump sum at closing.

Best uses
  • HELOC

    Ongoing home improvement, fast access to emergency funds, debt consolidation, large planned or unplanned purchases.

  • Cash-Out Refinance

    Home improvement, debt consolidation, large planned purchases.

Type of interest rate
  • HELOC

    Fixed during the introductory period. Variable thereafter, but with option to convert portions of balance to fixed loans through SmartLock.

  • Cash-Out Refinance

    Fixed.

Effect on existing mortgage
  • HELOC

    Second mortgage (in addition to existing mortgage).

  • Cash-Out Refinance

    Replaces current mortgage.

Closing costs
  • HELOC

    No closing costs.

  • Cash-Out Refinance

    Yes. Option to roll closing costs into new mortgage utilizing the Limited Cash-Out Refinance product.