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Home Equity Lines of Credit

Home Equity Lines of Credit

Home Equity Lines of Credit

Home Equity Lines of Credit

A Home Equity Line of Credit (HELOC) is a convenient and cost-efficient way to borrow money for almost any purpose. You’ll get the flexibility to pay down your credit line and access funds as you need them.

Use a HELOC to help pay for

  • Home improvement
  • Unexpected expenses
  • Debt consolidation
  • Medical expenses
  • Vacations
  • And, much more!
HELOC Rates

SAVINGS

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CREDIT CARDS

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SMALL BUSINESS LENDING

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1. The Annual Percentage Rates (APRs) are accurate as of 12/20/18. The total term of the Home Equity Line of Credit (HELOC) is 240 months. During the first 10 years, the “Draw Period”, the APR is a variable rate based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line. On 12/18/17, the WSJ Prime Rate was 4.50% resulting in the following APRs: $10,000.00 - $99,999.99: 5.50% (Prime+1.00%), $100,000.00 - $249,999.99: 5.00% (Prime+.50%), $250,000.00 - $499,999.99: 5.00% (Prime + .50%), $500,000 +: 4.75% (Prime + .25). The APR may vary based on the use of auto-debit. Auto-debit discount will not apply when APR is at floor rate or during “Repayment Period.” The minimum APR is 3.99% and the maximum APR is 20.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. During the “Repayment Period”, the remaining 10 years, the APR is a variable rate based on the WSJ Prime + 1.00% and will be calculated 45 days prior to the initial maturity of the Draw Period, subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. The minimum APR is 3.99% and the maximum APR is 20.00%. During the Repayment Period, monthly principal and interest payments will be required to fully amortize the loan. There is an annual fee of $50, but will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum of 80% Loan to Value (LTV). Offer is not available for purchase money loans. Property insurance required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. An early termination fee of the lesser of 2% of the initial credit limit or $500.00 will be charged if account is closed within 24 months of the loan date. No early termination fee in Wisconsin. There may be certain third-party fees for entities such as appraisers, credit reporting firms, and government agencies to open the account, which generally total between $0.00 and $1,500.00. Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply or credit may not be available. See your loan officer for details.