Home Equity Loans

Line of Credit

Visa^® Platinum Line of Credit

Use a credit card to draw on your home equity funds when the need arises. Plus your monthly payments will be interest-only for the first five years during draw period.³

Draw funds as needed
Borrow up to 90% of the property value¹
Loan terms up to 20 years - 5 year draw and up to 15 year repayment period
Competitive variable rate²
Use a credit card to draw funds
Make interest-only payments for first 5 years³

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Fixed Rate

Fixed Rate Home Equity Loan

A Home Equity Loan allows you to use the equity in your home to consolidate debt, afford unexpected expenses, finish up home improvements and more.

Maximum loan amount is $150,000
Borrow up to 90% of the property value¹
Maximum loan term is 15 years^º
Fixed rate & payment
Fixed payment based on initial disbursement
Funds are disbursed in one lump sum

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Compare Home Equity Loans

Features	Visa Platinum LOC	Installment Loan
Description	Line of credit that you draw on with a credit card when the need arises	Installment loan with a fixed term
Maximum Loan to Value¹	Up to 90%	Up to 90%
Maximum Loan Amount	$150,000	$150,000
Maximum Term	Up to 20 years - 5 year draw and up to a 15 year repayment period	Up to 15 years
Annual Percentage Rate	Variable Rate²	Fixed Rate
Minimum Monthly Payment	Interest only³	Fixed amount, based on initial disbursement
Access/Cash Advance Options	Visa Platinum Card and cash advances at ATM machines	Funds are disbursed in one lump sum
Apply online	Apply	Apply

1. Some housing exceptions apply.
2. Minimum Annual Percentage Rate (APR) Floor of 4%. APR calculation is subject to change monthly and is based on the Prime Rate as published in the Wall Street Journal.
3. Interest only payments can be made for the first five years during draw period. After the draw period ends, required payments are calculated at $1.25 per $100 of the outstanding balance or $150, whichever is greater.
^oPayment example: On a $35,000.00 loan with a 5 year term up to 90% property value at 4.620%APR, monthly payments would be $654.42. Closing costs range from $275.00 to $590.00.
⁺Closing costs may range from $0 - $1000.

Home Equity Rates

Rates as of:

Home Equity Type	Term	APR***
Home Equity Installmentº* (up to 90% property value)¹	Up to 15 years	3.50% - 6.75%
Home Equity Installmentº* (up to 80% property value)¹	Up to 15 years	3.50% - 4.875%
Visa Platinum Home Equity Line of Credit⁺	Up to 20 years	4.75% - 15.00%
No Equity Home Improvement Loan^o^o	Up to 60 months	6.99%
1. Some housing exceptions may apply. ^oPayment example: On a $35,000.00 loan with a 5 year term up to 90% property value at 4.620%APR, monthly payments would be $654.42. Closing costs range from $275.00 to $590.00. ^o^oMaximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan with a term of 5 years at 6.99%APR, monthly payments would be $494.91. Actual rate based on applicant's payment and credit history. Additional appraisal fee may apply should one be needed. ⁺Closing costs may range from $0 - $1000. **APR= Annual Percentage Rate.

Home Equity Loans