HELOC Calculator

Use your hard built equity to improve your home.

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HELOC Rates

Effective Date: Sunday, October 6, 2024

	Maximum Term	Loan to Value	APR
*Home Equity Line of Credit ⁺ ^XX**	open end ^^	Up To 80%	as low as 8.25%
*Home Equity Line of Credit ⁺ ^XX**	open end ^^	Up To 90%	as low as 8.75%

Home Equity Line of Credit rate is subject to change monthly on existing loans and is based on being .25% below (or .25% above for up to 90% Loan to Value) the Wall Street Journal Prime rate listed on the 15th day of the previous month. Prime Rate as of 7/27/2023 8.50%.

The number of years it will take to pay off a loan. The loan term is used to determine the payment amount, repayment schedule and total interest paid over the life of the loan. For example, a loan of $50,000 with an 8.25% APR for 15 years would have 180 monthly payment of $487.22 each and total interest paid of $37,698.21.

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Closing costs may range from $150.00 to $2,000.00.

^XX

There are no minimum, fixed, transaction or activity charges. The maximum interest rate is 18.00%