Home Rates Home Equity Home Equity Rates Home Equity Home Equity Home Equity Line of Credit (HELOC) Home Equity Loan Home Equity Loan Term Home Equity Line of Credit (HELOC)25 years1 Home Equity Loan10 Year Home Equity Loan15 Year Rate Change Frequency Home Equity Line of Credit (HELOC)Adjustable Home Equity LoanFixed Home Equity LoanFixed Rate Home Equity Line of Credit (HELOC)4.75% Home Equity Loan4.000% Home Equity Loan4.625% Annual Percentage Rate (APR) Home Equity Line of Credit (HELOC)4.75%2 Home Equity Loan4.424% Home Equity Loan4.924% Visit our Mortgage Web Center to apply for a Home Equity Line of Credit. Rates effective as of 1/13/2020. Actual interest rate and APR are based on your loan qualifications and may be higher than the rates displayed on the website. All loans are subject to credit approval. Rates subject to change without notice. 1 Interest only during draw period. Draw period of 10 years. At the end of the draw period, repayment is scheduled over 180 months. APR adjusts monthly based on an index plus a margin. Closing costs generally range from $0 to $1,000 but may be higher under extenuating situations. Flood and/or property insurance is required. 2Maximum APR is 18%.