What is Home Equity?

Home Equity is the difference between your home's current market value and the remaining balance on your mortgage(s).  Generally an increase in Home Equity comes from paying down your mortgage balance and/or an increase in the market value of your home.

A Home Equity Loan lets you access the equity in your home, after all you earned it.

Fixed-Rate Home Equity

Ideal for when you know the exact cost of a specific project or purchase.

  • Borrow up to 80% of the value of your home
  • Receive lump sum funds
  • No application fee

You'll enjoy a fixed interest rate and payment, which makes budgeting that much simpler.   

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Rates at a Glance View All

Rates as low as 6.99% APR*

* APY = Annual Percentage Yield
* APR = Annual Percentage Rate

Use this calculator to see how much equity you may have in your home.

                                Loan Calculator 

Home Equity Line of Credit  (HELOC)

Perfect for when you’re not sure about your anticipated expenses and want to have money readily available.

  • Borrow up to 80% of the value of your home
  • No application fee

Your payments will vary based on the amount you withdraw from your line of credit.    

  Apply Now


Which one is right for you?

Features & Benefits

Fixed-Rate Home Equity Loan

HELOC (Home Equity line of Credit)

Lower interest rate than other types of loans

Interest generally tax-deductible if used for home improvements.  (Ask your tax advisor for details.)

No application fees

One-time lump sum payment


Fixed interest rate & payment


Take out the money as you need it: in person, by check and transfers within digital banking 


Revolving line of credit; pay interest only on what you draw


Variable interest rate